BLOG

How To Get Cheaper Bike Insurance For Young Drivers

How To Get Cheaper Bike Insurance For Young Drivers

­

How To Avoid California 30 Day vehicle Impound

cheapest sr22 quotes in california

How To Avoid California 30 Day vehicle Impound

How To Avoid California 30 Day vehicle Impound – Towed and Stored Vehicle Release Procedures…

The California Police Department is authorized to tow and store any vehicle or trailer that is required to be registered.
Vehicles may be towed for, but not limited to, the following reasons:

  • Stolen
  • Embezzled
  • Unregistered
  • Abandoned
  • Violation of city zoning codes/ordinances
  • Unlicensed driver
  • Driver with suspended or revoked license
  • Vehicle used in the commission of a crime: drunk driving, hit and run, reckless driving, other crimes such as robbery

Officers may use discretion about when to tow under specific circumstances.  Certain violations require the officer to tow the vehicle.  In every case where a stolen vehicle has been recovered, and it is drive-able, our officers will make every effort to contact the registered owner so they may come to the location and pick up the car, thus avoiding towing/storage fees. If the registered owner (R/O) cannot be contacted or is unable to pick up the vehicle, the vehicle will be towed. * Please be advised, officers are unable to stay at the scene for extended periods waiting for the R/O.

Vehicles will be towed and impounded for up to thirty (30) days for, but not limited to, the following reasons:

  • Unlicensed driver
  • Driver has suspended or revoked license
  • Driver is restricted from operating a vehicle without an adult (over 25) present (has learners permit only)
  • Exhibition of speed (racing)/”Speed Contest” or Reckless Driving CVC 23109.2

California Vehicle Code (CVC) Section 22852 requires that all owners of record be notified that the vehicle has been towed and stored.  It is important that vehicle owners ensure that their current address is reflected on vehicle registrations and driver’s licenses.  Department of Motor Vehicles (DMV) requires that changes of address must be reported to them within 10 days.  Vehicles sellers are also required to notify DMV within 10 days of the date of sale. Click here to go to the DMV’s website for more information and forms: CA Department of Motor Vehicles. The California Police Department will not be held responsible for instances where vehicle owners fail to notify DMV regarding changes of address or vehicle ownership.

How to get your towed or stored vehicle released

***THE POLICY BELOW DOES NOT APPLY TO 30 DAY IMPOUNDED VEHICLES***

You may arrange for the release of your NON-IMPOUNDED vehicle by personally bringing the following items:

Be aware, vehicles will only be released to the registered owner of the vehicle.  If the R/O cannot personally come to the Police Station, a NOTARIZED letter giving permission to the specific person picking up the car is required.  If you have questions regarding this policy, please contact your local towing officer

  • Current vehicle registration
  • Proof of insurance
  • Valid driver’s license (School ID, Green Cards, Passports, Costco cards will NOT be accepted as identification or you have the right to drive a motor vehicle).  If you do not have a valid driver’s license, you must bring 2 licensed drivers with you (one to drive your car and one to drive the car that brought you) to drive the vehicle from the tow yard.  No exceptions will be allowed!
  • $114.00 in cash, money order, Visa or MasterCard.  Personal checks will not be accepted.

After presenting the required documentation and paying the administrative fees, you will be provided with a release that must be presented to the towing company.  You will then be required to pay additional fees related to the towing and storage of your vehicle.
Helpful Suggestions

  • Time is money.  In addition to the administrative fee, the cost of the tow is usually $185 for a routine tow.  It could cost more for special circumstances or for larger vehicles, and is based on a one-way tow.  The storage fees may vary by company and average about $45 per day including weekends when our office is not open to issue releases.
  • “After hours” pick up of your vehicle from the tow yard could cause additional fees to be added by the tow company.
  • Ensure you get your vehicle released promptly.  Storage in excess of 45 days could result in your vehicle being sold through a lien sale.  (Amount of time varies by tow company and the circumstances surrounding the storage.)

How may I contest or challenge the decision to tow my vehicle?
Per California Vehicle Code Section 22852, you have the right to contest the circumstances under which your vehicle was towed.  To do so, you must request a hearing after the vehicle has been released.  Contact your local Hearing Officer Monday through Friday, 8:30 a.m. to 4:00 p.m. A hearing will be scheduled, documentation will be gathered and if necessary, the officers and any witnesses involved will be interviewed.  Officers will not be required to attend the hearing unless the Hearing Officer seeks authorization from the Chief of Police.  A decision from the Hearing Officer will be mailed to the registered owner within ten (10) days.  If it is found that your vehicle was towed/stored improperly, you will be reimbursed the administrative fee and the towing and storage fees only.

I’m stuck in a loop. My vehicle won’t pass smog, is not currently registered and I can’t get it smogged because it’s stored and I need a smog certificate to get it registered. What do I do?
The registered owner of the vehicle may go to DMV and get either a Move Slip or a one month extension (Temporary Operating Permit) giving you the time to have the vehicle smogged.  These documents will allow the vehicle to be released.

What do I do if my vehicle can’t be registered because I have outstanding parking tickets on my car?
The R/O must go to DMV, take care of all the outstanding parking tickets and register the vehicle.

What if I have a complaint against the company that towed/stored my vehicle?
Contact the Towing Enforcement Officer.

DUI Treatment Programs in California

cheapest sr22 quotes in california

DUI Treatment Programs in California

DUI Treatment Programs in California – We are sorry to hear you have received a Driving Under the Influence (DUI) and are here to help you avoid future incidents, and comply with the Court and Department of Motor Vehicles (DMV) requirements. Please review this information, enrollment in a licensed DUI program is the first step in this process.

 

DUI Programs

CADTP Organizational Members are DUI Programs licensed by the California Department of Alcohol and Drug Programs.

Your California driving privileges are suspended when charged with a DUI. According to DMV (www.dmv.ca.gov) the suspension or revocation is an immediate administrative action taken against your driving privilege. This is called Administrative Per Se (APS) and is independent of any court-imposed jail sentence, fine, or other criminal penalty you may receive when convicted for a DUI. Upon conviction for a DUI offense in California, the court may order you to complete an Alcohol and Drug Education and Counseling program provided by State-licensed service provider. Completion of this same program Is also required to be eligible to get your unrestricted license back. You may qualify to drive after a minimum 30 day suspension with a restricted license (depending on the charges and county). Enrollment in a licensed DUI

IMPORTANT NOTICE: the state of California does not recognize any online DUI course and DMV will not grant or reinstate a driver’s license without official notice from a California licensed DUI program.

For more information visit: www.DHCS.CA.GOV and www.DMV.CA.GOV

DUI Program Levels

The length of the DUI Program you will be required to complete is will depend upon your blood alcohol content (BAC) at the time of arrests, as well as any record of prior DUI’s within the past 10-year period.

1st Offender Programs:

  • Wet & Reckless – BAC Below .08%
  • 3-Month Program – BAC Below .15%
  • 6-Month Program – BAC between 0.15%-0.19% BAC
  • 9-Month Program- BAC of .20% or Higher

Multiple Offender Programs:

  • 18-Month Program – More than 1 conviction in 10 yrs
  • 30-Month Program – 3rd Violation within 10 years (limited availability)

Enrollment

The program will advise you of specifics for that agency, at minimum, you will need to bring the following:

  • Down payment.
  • Current Court Referral, DMV H-6 Print Out or Admin Per Se.
  • Picture ID Card.
  • No measurable level of Drugs or Alcohol prior to your appointment.
  • Program specific instructions

Getting The Cheapest California SR22 Insurance

non-owner car insurance, non-owner sr22 insurance,cheapest sr22 rates, best SR22 auto quotes, Best SR22 Rates, Cheapest SR22 Policy, How to get an SR22, SR22 Questions, SR22 Form, The General, State Farm, Allstate, American Family, USAA, Farm Bureau

Getting The Cheapest California

Getting The Cheapest California – There are several ways to obtain cheap in California but sadly, most people do not know about this. Most people think that their present is already the best deal. Their insurer is not the only provider of so when they get to say they already have the best deal, they might be totally wrong.

Most people always fail to shop for quotes

Most people think that it would only take so much of their time when they shop around. But in our digital world, shopping for would only take a matter of minutes. You will just only be required to answer a questionnaire and submit it online. In an instant you will already be given several quotes from different insurers based on the information that you have submitted. Shopping for quotes online could really save so much of your time and effort.

Do not fail to compare your quotes for once you have gathered them.

You actually have a couple of options to find inexpensive rates. You may visit each website of an insurance company or go directly to and compare your quotes in this have-it-all site, an comparison website. Compare carefully all the quotes that you have gathered including your present coverage and see which insurance offers, if not the best, better deal than your present coverage.

After shopping and comparing online, buy directly your preferred quote online. Buying an policy online allows you to get discounts from insurers. Hence, buying online is a great way to save not only your time but also your money as well.

South Carolina DMV Waiver Process

South Carolina DMV Waiver Process

South Carolina DMV Waiver Process

South Carolina DMV Waiver Process  – Effective May 2, 2016, the South Carolina Department of Motor Vehicles (SCDMV) will accept the MSF completion card in lieu of the SCDMV’s skill test for the motorcycle license endorsement. SC Rider Ed students will no longer be required to also take the SCDMV skills test to receive their motorcycle license endorsement.

Frequently Asked Questions (FAQs)

Are all sites participating in this process?
Each site is on a schedule to transition to the waiver process. Please check with the site regarding their participation before enrollment. We ask for your patience as each site moves forward with implementation.

Will a student need to take the SCDMV skills test when they go to the SCDMV?
The SCDMV will conduct random recalls for students participating in this process.

How long does a student have to submit their envelope and paperwork to the SCDMV?
A student has 30 days to submit their envelope and documents to the SCDMV. Envelopes must be sealed or they are invalid.

I took my MSF completion card to the SCDMV. Why are they not accepting my MSF completion card for the waiver?
In order to be eligible for the waiver process, there is additional paperwork that needs to accompany the MSF completion card. Please inquire with the course site regarding their participation in the waiver process and the additional paperwork needed. Only courses completed after May 2, 2016 are eligible for the waiver process.

Will the SCDMV accept my MSF completion card if I took the course in another state?
No, the SCDMV will only accept MSF completion cards with the additional paperwork from participating SC sites.

10 Ways to Save on Motorcycle Insurance

10 Ways to Save on Motorcycle Insurance

10 Ways to Save on Motorcycle Insurance

10 Ways to Save on Motorcycle Insurance – Gas prices are soaring. Rent and home prices are through the roof. Doctor bills are enough to give you a heart attack. There’s no doubt, the cost of living is going up. Belt-tightening is a must for all of us, so if you can save money on motorcycle insurance, you should.

As with any kind of insurance, calculating the cost of motorcycle insurance is a matter of risk and protection. A mid-range policy for a customer in his or her mid-40s who is married and owns property in a decent neighborhood could run anywhere from $250 to $1000 a year. The 21-year-old with a bad driving record who buys a Gixxer? Well, he’s going to pay more – far more.

Motorcyclists all pay different rates depending on a variety of factors, but there are ways to get the most for your money, or even lower the amount you pay now. The basic formula says the older you are, the better your driving record, the longer you’ve had your motorcycle license, the less flashy and speedy your bike and the less expensive and risky it is to cover damages in your area, then the less you’ll pay for insurance.

But there are things any rider can do to alleviate the squeeze. Here in no particular order are our Top Ten Ways to Save Money on Motorcycle Insurance.

1. Get trained, Get Certified

Most insurance companies offer incentives for completing a safety course such as the Motorcycle Safety Foundation’s Basic Rider Course. Riders under 25 years of age and those who have a less-than-stellar record stand to benefit most from these discounts.

Because laws vary, keep in mind that if you take the course in one state or country and then try to present your certificate of completion for a motorcycle license elsewhere, the endorsement may not be accepted.

2. Keep It Clean

The bottom line is this: the better the record, the better the rate. That’s it, plain and simple. If your driving record – motorcycle and/or automobile – is free of accidents, tickets and other infractions, you will get a lower insurance rate. Progressive Insurance is one company that offers a discount for those renewing policies who did not post a claim during the most recent term.

3. Bundle Up

Usually, the more items under one umbrella, the better the rate, so look into having your motorcycle, car and homeowner insurance with one company, which can save you money on all of their premiums. And if you own a car, your insurer might offer a discount for covering your motorcycle as well. Geico, for example, offers a 5% discount for those who also insure their car with them. More than one bike? Even better. Geico offers a 10% discount for insuring more than one motorcycle. Always, always inquire about discounts, even if you think your situation is irrelevant. If you do not ask, you will not receive.

4. Be Patient

Riding time and experience are factors in reducing premiums, and there’s nothing you can do about it (except get trained – see #1). The way insurers see it, because you have less experience on the road, you are more at risk for an accident. In calculating risk, insurers look not only at a rider’s driving record but also how long he or she has been riding – and even what experience that rider has with the specific motorcycle to be insured. First-time bike owners can also expect to pay more for insurance.

One bit of advice: it stinks to wait, but if you know a previous traffic violation is about to be dropped from your driving record, hold off on requesting insurance quotes until that violation clears. This little act of patience will net a lower rate.

5. Store It, Lock It

If you own your own home or have a garage to store you motorcycle, that will reduce the cost of your motorcycle insurance. Not all companies offer discounts for security systems, but it’s worth asking.

Utilizing a security system such as those with a remote key fob should help lower your insurance rate as well. Even better? Install an anti-theft/recovery system such as LoJack. Not only can you cut down your insurance bill, chances are you’ll get your bike back if it gets jacked. That’s the best insurance policy of all, and why many insurance companies place value on these systems.

6. Join The Crowd

Group discounts are one of the most popular ways of getting cheaper rates, and many motorcycle-specific groups get discounted insurance rates. Most official OEM riders’ clubs offer discounted insurance rates, as do non-motorcycling groups such as AAA and AARP.

Consider joining the American Motorcycle Association, BMW Motorcycle Owners of America, Gold Wing Road Riders Association, Harley Owners Group, Honda Riders Club of America, Motorcycle Safety Foundation, Motorcycle Touring Association, Riders of Kawasaki, the Star Touring and Riding Association or the Suzuki Owners’ Club of North America. Check the official rider’s club of your bike to see its benefits on insurance.

7. Buy Less Motorcycle

Look, we know you want the biggest, baddest, fastest, coolest motorcycle. We all do. But if you’re shopping for a new motorcycle, don’t price yourself out of being able to ride it. Cruisers, for example, receive lower rates than sportbikes. Pre-owned, older motorcycles cost less to insure than brand new ones. Exotic bikes, vintage bikes, rare bikes, custom bikes – all will cost you more to insure than a sensible motorcycle with a sensible engine.

8. Know Your Policy

Many riders get sold on maximum coverage when they don’t need it. Experts say riders should carry enough insurance to cover bike replacement costs, hospitalization and to avoid bankruptcy. As your bike ages and depreciates in value, and the rider ages and gains experience, many riders drop comprehensive and collision coverage. You can also save money by dropping specialized coverage for accessories, total loss and trip interruption, or medical payments if you already have health care.

Yet, cheapest is not always best. For instance, liability – which covers damages to others but not yourself – is cheaper, but is even more of a liability for motorcyclists because, as we all know, there are no fender-benders on a motorcycle.

Other ways you can save on your policy include:
* Increase your deductible. The more risk you’re willing to assume, the lower your premium will be. For example, a $1,000 deductible should significantly reduce your premium.
* Pay up front, in full. Most insurance companies impose finance charges, so paying off your premium at the beginning of the term rather than in monthly increments saves money.

9. Ride When You Can, Don’t When You Can’t

Most motorcycle insurers allow riders to put their coverage on hold when they can’t ride for a period of time, or for the winter months. Many others offer “layaway” programs during the frosty season. In cases like these, accident-related insurance is suspended, but bike owners retain coverage for things like theft, vandalism and fire. Still, if there’s even a chance you might want to take a ride on an unexpectedly warm Saturday in February, a layaway program might not be worth the risk.

10. Talk, Shop, and Switch?

Get off the computer and call your insurance broker at Select Insurance Group on the phone at 855-GET-SELECT (855-438-7353) Ext 2. Agents are people too, with vehicles, homes and other property that needs insuring, and he or she may be willing to offer suggestions to cutting your premiums you hadn’t considered, such as altering your coverage or bundling policies as mentioned above.

Many insurance providers offer an incentive for switching from a competitor, usually by way of a one-time discount. While you’ve your agent got on the phone, let him or her know that you’re considering getting quotes from competing agents. Companies will often offer incentives for you to keep your business right where it is. Still, it can’t hurt to shop around occasionally. If you are switching insurance companies anyway and are not offered a discount by your new insurer, ask why not. A little chat goes a long way.

Getting Cheapest Colorado Non Owner SR22

Cheapest Colorado Non-Owner SR22

Getting Cheapest Colorado Non Owner Cheapest Colorado Non Owner SR22 Insurance

 

The State of Colorado requires an filing after the following offenses:

    • DUI
    • Refusal to submit to a BAC test
    • Under 21, any conviction of alcohol/drug use while driving
    • Operating without liability insurance
    • Vehicular assault
    • Vehicular homicide
    • Using a motor vehicle in a felony
    • Failing to stop and render aid
    • Perjury of false affidavit or statement
    • Vehicle theft or criminal mischief causing damage to a vehicle

    Getting Cheapest Colorado Non Owner – How To Get A Colorado Non-Owner Policy – If you are required to file an form with the Colorado DMV, and you do not own a vehicle, you may need to purchase a non-owner policy. This type of will cover other vehicles and their drivers in the event of an accident. It will not cover you or the vehicle you are driving.

    Colorado Non-Owner and Ignition Interlock Law

    The State of Colorado requires DUI offenders who had a BAC of 0.17 or higher to install an ignition interlock device in any vehicle that they drive. Colorado restricts these drivers to 2 years of interlock driving.
    If you have an ignition interlock requirement for this reason, you will not be able to buy a non-owner policy, because you will need to own a vehicle in order to fulfill the interlock requirement.

    How to Get Colorado Non-Owner

    Colorado requires drivers to keep an on file for up to three years, so it is important to find a rate that you can live with. If your is canceled at any time, your driver’s license will likely be suspended. If you are planning to change companies, be sure to get your new non-owner on file before the current one is canceled. You can begin the rate comparison process by entering your Colorado zip code here:

    For More Information:
    For more information about Colorado non-owner , visit the Colorado Department of Revenue or call 303-205-5613 (303-205-5940 TDD).

    Colorado DUI First Offense

    Colorado DUI

    A person who gets arrested on a first offense DUI charge in Colorado will be charged in one of two ways. The first is if that person’s blood alcohol concentration, or BAC was .08% or greater, they will be charged with the offense of DUI. The second way a person may end up facing a drunk driving charge is if they are stopped and found to have a BAC level between .05% – .079% they will be charged with DWAI, or driving while ability impaired.

    Colorado Administrative Drivers License Hearing

    Upon being arrested for a first offense DUI charge in Colorado the arresting officer will immediately confiscate your driver’s license and issue you what is called a “Notice of Suspension” warning. This notice will function as your temporary driver’s license for the next 7 days.

    Important: It is very important to note that you only have 7 days from the date that is noted on your “Notice of Suspension” warning in which to request an administrative driver’s license hearing with the DMV if you wish to avoid the pending suspension of your driver’s license. We strongly urge you to contact a Colorado DUI lawyer who has experience representing clients at DMV hearings if you hope to have a successful out come at your hearing.


    The purpose of the administrative hearing at the DMV is for the DMV hearing officer to review the information that has been provided by the arresting officer against you to determine if in fact you were in violation of driving under the influence and your driver’s license should be suspended by the DMV. You and your lawyer will also be given the opportunity to present any evidence that you have gathered in your favor that refutes the officer’s evidence.
    The hearing is also a great opportunity for your lawyer to listen to and challenge the arresting officer’s testimony as part of preparing your case for your day in court. Remember, the DMV administrative hearing is purely to deal with the potential suspension of your driver’s license and has nothing to do with the pending criminal case you will face in court.

    Colorado First Offense Penalties

    Fines
    First time offenders will be faced with a minimum fine amount of $300 plus all associated court costs, up to a maximum fine amount of $1,000 plus all associated court costs. The court does have the discretion to impose a large fine amount if it is determined to be necessary.
    Jail Time
    A first time DUI offense will result in a minimum jail sentence of 5 days up to a maximum of 5-years. The length of jail time beyond the minimum will depend partly upon the circumstances surrounding your case such as any injuries to others, minor in the vehicle at the time, or property damage. These are just several examples of how a person’s jail sentence may be extended by the court.
    Drivers License Suspension
    If the DMV upholds the officer’s suspension of your license you will be facing a 3 month suspension period from the DMV. First time offenders may apply for a restricted license through the DMV after serving the first 30 days of the suspension period. If you refused or did not successful complete any part of the chemical testing your license will be suspended for 1-year and you will not be eligible to apply for a restricted license anytime during the 1-year period.
    In order to reinstate your license following your suspension period or before the DMV grants you a restricted license you will be required to show proof of financial responsibility to the DMV in the form of an SR-22 form filing by your Colorado provider. You will have to maintain your filing status with the DMV for a period of 3-years from the date of reinstatement.
    Ignition Interlock
    First time DUI offenders who registered a BAC of .17% or greater will be required to have an ignition interlock device installed in their vehicle for a minimum of 2-years following the reinstatement of their driver’s license.
    Community Service
    All first time offenders will also be required by the court to serve a minimum of 48 hours of community service up to a maximum of 96 hours.
    Chemical Test Refusal
    As noted above in the Drivers License Suspension section, anyone who refuses to submit to a chemical test or fails to complete the chemical test will have their license suspended for a period of 1-year with no chance of receiving restricted driving privileges during that time.
    Alcohol Education Class
    All first time offenders will be require to attend and successfully complete an approved Colorado alcohol education class.

    Colorado Information & Quotes

    All first time DUI offenders in Colorado will be required to perform an filing with the Colorado Department of Motor Vehicles. The is basically a form that your insurance provider will file with the DMV on your behalf.
    The is real just a rider or attachment to your high-risk auto insurance policy that states that your insurance provider is obligated by law to inform the DMV if there is ever a lapse in your insurance coverage during the 3-year filing period. to insure that you avoid a potential lapse in your coverage it is important for you to get multiple quotes from various insurance companies in your area who offer SR-22 filings with the DMV.

    Colorado Filing Information & Quotes

    Colorado SR22 Insurance Filings

    If your Colorado driver’s license has been suspended or revoked because of a DUI or related offense, you will need to file an form in order to get your license reinstated. This means that you will need to find an insurance company that offers Colorado .

    The length of one’s Colorado requirement depends on the offense:

    DUI OffenseLength of
    1st Offense DUI or Per Se with no other alcohol convictions or revocations3 months
    2nd Offense DUI or Per Se3 years
    3rd Offense DUI or Per Se3 years
    DUI or Per Se involving an accident3 years
    1st Offense Refusal to Submit1 year
    2nd Offense Refusal to Submit3 years
    3rd Offense Refusal to Submit3 years
    Refusal to Submit with any prior alcohol conviction3 years
    Refusal to Submit involving an accident3 years
    2nd Offense Under 21 Per Se6 months
    3rd Offense Under 21 Per Se1 year
    Under 21 DUI or DWAI1 year
    Under 21 DUI or DWAI involving an accident3 years
    2 alcohol violations within 5 years3 years
    3 alcohol violations in lifetime3 years

    How to Get Colorado

    doesn’t have to be a long and complicated process. Let us help you. We have partnered with the top providers in Colorado to make this process as quick and simple as possible for you. We are able to quote every company that offers in Colorado and give you the lowest rate possible while saving you the hassle of calling multiple insurance providers to get the same quotes. To get started, simply enter your information below and press “submit”:

    How to Get Your Colorado Driver’s License Reinstated

    In order to reinstate your Colorado driver’s license after a DUI suspension / revocation, you will need to buy . Then, complete an Application for Reinstatement. Then mail your application, your form, and a $95 reinstatement fee to the DMV.
    It can take 20 business days to process a reinstatement, so you will want to begin the process before your suspension / revocation period is over. The DMV will mail you a letter of clearance when your reinstatement is complete. You can then apply for a new license. You may need to retake your written, vision, and road tests.
    If your BAC was 0.17 or higher, you will also be required to complete a Level II alcohol education and therapy course before reinstatement.

    Colorado Ignition Interlock Laws

    You may be eligible for early reinstatement with ignition interlock if:

    • This is your first DUI / Per Se offense and you have served at least 30 days of your suspension. You would then be restricted to interlock driving for 8 months.
    • Your license has been revoked for a DUI / Per Se and you have already served at least 1 year of your revocation.
    • To inquire about early reinstatement with interlock, call Driver Services at 303-205-5613.

    There is also a mandatory 2-year interlock requirement in the following cases:

    • First offense with a BAC of 0.17 or higher (2 years)
    • Second offense DUI within 5 years (2 years)
    • Second offense Per Se in lifetime (2 years)
    • Third offense DUI or Per Se in lifetime (2 years)
    • Habitual Traffic Offender with one alcohol-related driving offense after 7/1/2000 (4 years)
    • Second offense Refusal to Submit (1 year)
    • Third offense Refusal to Submit (2 years)

    Click here for a list of approved Colorado ignition interlock vendors.

    For More Information: call the Colorado DMV at 1-800-777-0133 (TTY 1-800-368-4327)

    How To Get A South Carolina Temporary License

    DUAC, DUI, SC, Temporary Drivers License, Hardship, ProvisionalHow To Get A South Carolina Temporary License 

    How To Get A South Carolina Temporary License  – Being convicted of driving under the influence (DUI) or driving with an unlawful alcohol concentration (DUAC) has many consequences. Jail sentencing, fines, mandatory classes, community service, and the loss of your personal and/or commercial driver’s license are all possible.

    In many situations, you can get a temporary driver’s license to help you get back on the road and get on with your life. After all, it is hard to go to required alcohol safety classes when you can’t drive yourself. Also, if your job requires you to drive, you need a speedy way to become a legal driver again so you can do your job.

    Let’s go over some of the ways you can get your driving privileges back after a DUI or DUAC conviction.

    Types of Temporary Driver’s Licenses

    One of the first things that happens to you once you’re convicted of a DUI or DUAC is that you lose your driver’s license. Some of the time you can get back some of your driving privileges on a temporary basis, but doing so requires you to jump through some confusing administrative hoops.

    There are three kinds of temporary driver’s licenses in South Carolina, and each one is used in specific and different circumstances:

    • 1- A Temporary Alcohol Restricted License (TARL) can be obtained after your DUI or DUAC arrest. This restricted license is used by those who have refused to take the breathalyzer test and have requested an administrative hearing to contest the six month suspension for refusing the breathalyzer. It is valid for the period of time between the arrest and the administrative hearing to contest the license suspension (if you request one) in your case. Unlike the other two types of temporary licenses, a TARL is for those who have not (yet) been convicted. Not everyone qualifies for a TARL, but if you do, it will get you back on the road. There are also several requirements you must abide by if you decide to go this route.
    • 2- A Provisional Driver’s License may be granted after a DUAC conviction for the period of time that your license is suspended. It doesn’t have restrictions on how and where you can use it. We will cover this in more detail below.
    • A Route Restricted License may be issued after a DUI conviction to allow you to drive to work, school, court appointments, alcohol programs, etc. We will discuss this license type later as well.

    After being convicted, the type of temporary license you can get depends on a variety of different things. In some cases, you may not be eligible for one at all. While both post-conviction types—provisional and route restricted—are similar, there are some differences we’ll highlight next.

    Provisional Licenses

    Whether you’re found guilty or you plead guilty, you may qualify for a provisional license after a first offense DUAC or DUI conviction. A provisional license allows you to drive to work, school, grocery stores, social activities, church and court-mandated programs imposed as part of your DUAC conviction. In other words, you may continue driving as if you had a traditional driver’s license. There are, however, administrative processes to go through, including an application and associated fees ($100).

    To be approved for a provisional license, you must meet certain requirements:

    • You must have or have had a SC driver’s license.
    • You must have no other license suspensions.
    • You must be enrolled in the Alcohol and Drug Safety Action Program (ADSAP).
    • You must have an SR-22 insurance certificate. You can get this certificate through your insurance carrier. You will likely have to pay higher insurance premiums because of the certificate, but it only lasts for three years.
    • For some first offense DUAC and DUI convictions, you also need an Interlock Ignition Device (IID). This device prevents you from operating your vehicle until you blow into a tube and the device measures your blood-alcohol content. An IID is required for all drivers who are convicted more than once for DUAC or DUI and for those first offense convictions where the blood alcohol content is above a .15.

    Once you have your provisional license, it lasts as long as your suspension. When you’re ready to get your regular driving license back, you must pay a reinstatement fee of $100. Before you can be reinstated, you must complete ADSAP.

    Please note, a provisional license is only for those convicted of a first offense DUI or DUAC charge. Read on to learn about a route restricted license.

    Route Restricted Licenses

    When a provisional license is not available, for example, when it’s a second offense DUI or DUAC, a route restricted license allows you to drive to and from certain specified places so you can continue your day-to-day life. By law an individual may obtain a route restricted license only once in his lifetime for these type of suspensions.

    • Accident Judgment
    • Alcohol Violation
    • Blood Alcohol Concentration (BAC .15)
    • Controlled Substance
    • Failure to Stop for a Blue Light
    • False Insurance Certification
    • Implied Consent
    • Misrepresentation of Identity

    Please note, you may only obtain a route restricted license once in your lifetime unless you are suspended for nonpayment of child support or driving under a suspension that is not DUI related.

    Let’s look at a real-life scenario.

    Say you are charged with DUI. You want to contest the suspension of your driver’s license for refusal to submit to the breathalyzer test at an administrative DMV hearing. Between getting charged and awaiting the hearing, you obtain a TARL. At the hearing, your suspension is upheld, and you are convicted of DUI. Now your TARL is no longer valid, So if you want to drive to work, you must apply for a provisional driver’s license if it is a first offense DUI or a route restricted license it is a conviction for DUI 2nd or greater.

    People also seek a route restricted license after pleading guilty to an alcohol or drug related offense.

    Whether you contested the charge or not, a DUI conviction means your driver’s license is taken away, and one of the only legal ways to drive is with a route restricted license. Using this type of temporary license, you can drive to work, school, ADSAP and other pre-approved places.

    The process for obtaining a route restricted license is similar to the process for getting a provisional license, but there is a difference in the paperwork. You must submit Form DL-127 to the Department of Motor Vehicles.

    This form includes spaces for you to describe your normal commute to work or school. This is where you will specify the places to which you need to drive. It’s important to be thorough because the license allows you to drive only to these places. The cost for a route restricted license is $100. And you pay another $100 when you reinstate your regular license.

    As long as your suspension lasts, your route restricted license will remain valid. If your regular driver’s license expires while you have a route restricted license, you may need to retake your driving test when you renew your license.

    With some very specific exceptions, you can only obtain a route restricted license once in your life. After that, you’re out of luck when it comes to driving after subsequent DUI or DUAC convictions.

    Cheap Uber And Lyft Rideshare Insurance

    uber rideshare insurance

    Cheap Uber And Lyft Rideshare Insurance

    Cheap Uber And Lyft Rideshare Insurance – Uber and Lyft only cover rideshare drivers during Periods 2 and 3.  Period 2 starts once you accept a ride request and are en route to your passenger, and Period 3 starts once your passenger gets into your car.  BUT when you’re online and waiting for a request during Period 1, you have no collision coverage from Uber or Lyft and much lower liability limits.  So as a rideshare driver, you’re most at risk during Period 1 since you won’t get any collision coverage from rideshare companies and your personal insurer likely won’t cover you during this time either.

    Rideshare insurance solves this gap by covering drivers during Period 1, and additionally they won’t drop you for being a rideshare driver.  Some policies will even cover you during Periods 2 and 3 so you won’t be subject to Uber’s $1,000 collision deductible and Lyft’s $2,500 collision deductible.

    The Basics of Rideshare Insurance

    All rideshare drivers are required by Uber and Lyft to have personal insurance in order to become a rideshare driver.  Originally, the TNC’s wanted your personal insurance to cover all of your rideshare activities but the insurance companies quickly said ‘NO’ to that.  That should make sense too, if you’re driving people around and making money, you’re no longer engaging in personal driving activities so why would personal insurance be on the hook for that?

    The Coverage Is Not The Problem

    If you’re going to engage in livery, you need some type of commercial insurance for that portion of time while you’re driving people around.  As it stands now, Lyft and Uber offer primary liability and excess collision when you’re engaged on a trip or on your way to pick up a passenger.

    So right now, as a rideshare driver you are 100% covered if you get into an accident.  I won’t go into every scenario since there are a lot of different possibilities and outcomes but either your insurance (not as likely) or Uber/Lyft’s insurance (more likely) will cover you if you get into an accident.  If the latter ends up happening though, you will have to pay a $1,000/$2,500 deductible to receive collision coverage.

    What’s The Risk Then?

    I still see articles and comments popping up from time to time that say you’re not covered if you get into an accident while driving for Uber & Lyft.  That is 100% false, you’ll be covered.  But the real risk that stems from getting into an accident is that your personal insurance company will find out and drop you.

    If/when you get into an accident while rideshare driving, you have the option of making a claim through your personal insurer or going through Uber/Lyft’s insurance company (they both use James River).  I know some people have been able to go through their personal insurance without being dropped but that is likely because they were never asked about being a rideshare driver.  Most personal insurance companies now ask this question as part of their standard protocol after you get into an accident.

     wouldn’t advise lying to your insurance company since that’s a crime.  But let’s say you decide to go through Uber/Lyft’s insurance in order to avoid having your personal insurance company find out you got into an accident while rideshare driving.  That strategy works well for the liability portion but since both companies offer collision coverage in excess, you will need to make a claim with your personal auto insurer first.  If they deny it (which they likely will), then Lyft and Uber will step in to cover you.  But you still run into the same problem as before since your insurance company will likely drop you from your policy once you admit to being a rideshare driver.

    I haven’t gotten into an accident yet while driving rideshare (although it would make for good writing material :)) but I have spoken first-hand to a few people who have.

    • Going through your personal insurance company: I talked to a couple people who got into accidents and actually were able to successfully get covered by their personal insurance.  But both people I talked to did not reveal that they were a rideshare driver to their insurance company.  The first person said they were never asked and the second said that the adjuster asked a question about driving to work but nothing specific about being a rideshare driver.
    • Getting into an accident while driving for Uber: I spoke with one person a couple weeks ago who got into an accident and went through Uber’s insurance.  The process was slow and a bit painful but they did end up getting covered.  They did have to pay the $1,000 deductible but Uber did not make them file a claim with their personal auto-insurer first.  Technically, Uber is supposed to make you file a collision claim with your personal insurer in order to provide excess coverage, but if they don’t, then that’s very good news for drivers since it means you can get into an accident while driving for Uber, receive coverage from them and your personal insurer will never find out.
    • Getting into an accident while driving for Lyft: I spoke with two drivers who confirmed that Lyft forced them to make a collision claim with their personal auto insurer before even being allowed to pay the $2,500 deductible and get coverage through them.  In one case, the driver wasn’t dropped (I have no idea why since they should have been) and in the other case, the driver was.

    These examples show just how confusing the whole rideshare insurance situation is right now.  If you get into an accident, you could have a completely different experience but it’s important to know what the risk is ahead of time, before something bad happens.

    It’s The Lying That’s The Problem

    Many Lyft/Uber drivers don’t really have a problem with the actual coverage that Uber and Lyft offers.  $2,500 deductible is pretty ridiculous but the other option to not to participate instead if they don’t like it.  

     If Lyft/Uber drivers were to call their insurer today, I know for a fact that they would drop them.  In fact, there are very few personal auto insurance company in each state that will cover rideshare drivers.  So that means that there are hundreds of thousands of other drivers that are all being asked to lie to their insurance company.

    What’s The Solution?

    The solution from regulators and insurance companies is for rideshare drivers to buy commercial insurance.  But at 10-20x the cost, that just isn’t feasible for most, if not all drivers.  Why should you have to pay commercial insurance for something that you may not use every week or even every month?

    There are companies like Select Insurance Group that have a handful of companies that offer rideshare insurance in each state .  To be honest, I don’t really understand why there aren’t more companies lining up to insure rideshare drivers…. A hybrid policy that covers personal/part-time commercial driving is exactly what drivers need.  But clearly, it’s not a priority for insurance companies or Lyft and Uber.  Drivers are really the ones with the most to lose and the most at risk because they are being asked to lie to their insurance companies and if they get into an accident, it will be nearly impossible to find a company that will insure them again.  Select Insurance Group can help you obtain coverage by calling 855-438-7353 (855-GET-SELECT) or by filling out a FREE QUOTE FORM.

     

    Texas State law regarding ignition interlock devices

    Texas state law regarding ignition interlock devices

    Texas State law regarding ignition interlock devices

    Texas State law regarding ignition interlock devices – According to MADD, the state of Texas is the leader in fatalities cause by drunken driving.  In the past year, a whopping 1,446 fatalities were reported as a result of DUI. 

    Clearly this calls for care and mindfulness when considering if to drink and drive or not.  What starts out as a good time can easily turn into a tragic affair no one had anticipated.

     
    Select Insurance Group