Several states require that drivers must carry “no-fault” auto insurance. But what does this term really mean? Here are some common misconceptions about accidents in no-fault states that can lead to confusion and frustration. This blog post aims to clear up these misunderstandings and provide you with accurate information to help you understand how no-fault insurance works.
The consequences of a DUI typically revolve around criminal charges and the label of being a “high-risk driver” by insurance companies. However, another common occurrence for those with DUI convictions is difficulty finding a job.
Driving under the influence is a serious driving offense with consequences that go beyond criminal charges. Moving violations and offenses like DUIs are reported on your driving record for insurance companies to assess your level of risk as a driver. Each state has its own standards for reporting DUI convictions and determining how long they stay on a driver’s record. Let’s review the ramifications of getting a DUI in Washington state and how long a DUI will stay on your record.
Although drivers are legally required to own an auto insurance policy for vehicles they own, not all drivers own vehicles. Frequent drivers who do not own a vehicle themselves should purchase non-owner insurance as a safeguard in case of an accident. Like traditional auto insurance, non-owner insurance rates vary based on a handful of factors unique to each driver. Understanding the factors influencing your coverage can help you make informed decisions and potentially save money on your monthly premium. Let’s dive into the main elements insurance providers consider when determining non-owner insurance coverage and rates.
After you’ve gotten into a car accident, it’s normal to feel disoriented as a result of the event. Although you may be shaken up by the incident, remaining calm and level-headed is important. Drivers must be careful when speaking to others involved in the car accident. It might feel natural to apologize or admit that the accident was your fault, but this should be avoided at all costs.
Broad form insurance is a popular option for high-risk drivers and car owners looking for cost-effective coverage. Understanding this unique type of car insurance is essential, as it differs significantly from traditional policies. This comprehensive guide will walk you through everything you need to know about broad form insurance, covering its benefits, limitations, and the process of obtaining it.
Driving under the influence of alcohol is a serious issue that impacts thousands of lives each year. Alcohol is a depressant that impairs judgment, concentration, and motor skills, which are all crucial abilities for driving safely. Understanding how alcohol affects your driving ability can help you make informed decisions and stay safe on the road. This brief guide will explore how a high blood alcohol content (BAC) impacts different aspects of driving.
Several severe driving offenses in Colorado are punishable by license revocation. In order for a high-risk driver to comply with Colorado law and reinstate their driver’s license, they must file for SR22 insurance. Review this brief look at SR22 insurance in Colorado to better understand the filing process. (more…)
Although nearly all U.S. states and Washington, D.C. require auto insurance, up to 14 percent of drivers are uninsured. Driving without insurance coverage can result in costly penalties and have a harmful effect on your driving record. These consequences only get more serious if you fail to file for SR-22 or FR-44 insurance after committing a serious driving offense. We will explore the risks of driving without insurance coverage for both typical and high-risk drivers. (more…)
Each state has its own regulations and penalties for severe driving offenses. Those who have committed a serious offense will also face consequences related to their auto insurance. Drivers may need to file an FR-44 form to reinstate their driver’s license after such an occurrence. Because most drivers won’t need an FR-44 in their lifetime, many people don’t know its legal requirements. We will guide you through everything you need to know about FR-44 insurance.
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