BUI, Boating under the influence, DUI, Law, Wet and Reckless

Boating Under The Influence

Boating Under The Influence

Boating Under The Influence  – You may think that operating a boat while under the influence of alcohol is legal, but it is not. In fact, boating under the influence (BUI) is a crime under federal and state laws. The U.S. Coast Guard routinely patrols our waterways and can arrest you the same as if you were driving a car under the influence. The law pertains to everything from canoes and rowboats to large ships.

Below, you will find a list of frequently asked questions regarding BUIs including a definition of the crime, penalties, and more. If you want more information, see www.selectsr22insurance.com.

Q: Can law enforcement pull me over in my boat, just like in a DUI case?

A: Yes, state and federal law enforcement officials can pull a boat operator over on suspicion that the operator is driving a boat while under the influence, just like they can when you are driving a car.

Law enforcement officials may also set up checkpoints on the water, just like roadside DUI checkpoints, to question and check boat operators for Boating Under the Influence (BUI). Some states do not even require “probable cause” for law enforcement officials to be able to board your boat. In Delaware, they can just do it.

Even if they don’t charge you with violating federal laws prohibiting boating while intoxicated, federal authorities like the U.S. Coast Guard can also hold and transfer you to state authorities for additional prosecution.

Q: Can I lose my boating license or permit from a BUI conviction?

A: Perhaps. It depends on your state’s boating regulations and other laws. A lawyer can help you with this important question.

Q: Do many people have criminal convictions for boating while drunk?

A: Yes, and with more states focusing on BUI violations, the number doesn’t appear likely to decrease. A BUI conviction often has the same consequences as a DUI conviction.

Q: Do I have to go to jail for a BUI conviction, or do I only have to pay a fine?

A: The answer depends on your state’s boating and criminal laws, the particular violations that you are accused of, and the legal penalties for a particular conviction. Often, a state’s BUI laws and penalties mirror the state’s DUI laws and penalties.

Q: Do I have to submit to a Breathalyzer or blood test?

A: Whether you are allowed to refuse a breathalyzer test varies from state to state. If you don’t know, it might be wise to politely decline. Doing so in some states like Pennsylvania, however, could result in an automatic suspension of your boating privileges. In other states like Florida, your license cannot be automatically suspended for refusing to submit to a BAC test.

Q: Can I be subjected to a field sobriety test?

A: Probably. State authorities may ask you to “walk and turn,” recite a particular phrase, or other tasks. The general purpose of field sobriety tests is to help determine if you are able to perform the basic functions required to safely operate a boat or other watercraft. Some of the field sobriety tests used are not necessarily applicable on the water though, because the boat you are on may prevent even a sober person from passing the test. In this situation, a Breathalyzer test is more likely.

Q: Even if I’m convicted, can’t I just perform “community service?”

A: Probably not. Many states require people convicted of BUI offenses to attend mandatory boater education classes, as well as alcohol and drug counseling. If you are convicted of a criminal offense, you will have a criminal record. Depending on the severity of the conviction (i.e., if it is a felony or misdemeanor), you could face severe legal consequences and restrictions.

One option you may have is called a “wet reckless” which is similar the same term used in DUI law. The prosecutor may give you the option to plead guilty in exchange for a charge with smaller penalties, like recklessly operating a watercraft.

Consult with an Experienced SR22 Insurance Expert like Select Insurance Group for FREE by calling 1-855-GET-SELECT (855-438-7353)


gap insurance, dealer warranty insurance, liability insurance

The Truth Behind Car Dealer Gap Insurance

The Truth Behind Car Dealer Gap Insurance

When you purchase a vehicle from a car dealership, the sales pitch often includes gap insurance. The reason is that your car loses value the moment you drive it off the lot. In fact, the minute you sign the paperwork, your vehicle goes from being a new car to being a used automobile, and its value immediately decreases.

If you were to have a wreck in that brand-new car, your insurance company probably wouldn’t cover the cost of what you owe on it. They would only cover the cost of replacing your vehicle with one of the same value. This is why you should consider buying gap insurance when you purchase a new car. So what is gap insurance? Also known as guaranteed auto protection insurance, it will cover the difference between your car’s depreciated value and what you actually owe on your auto loan if your car is stolen or totaled.  If your car is demolished or stolen, gap insurance covers the difference between what your auto is worth (based on current market value) and the amount you still owe on your loan.

Avoid Shady Gap Insurance Deals at the Car Dealership

Here is the typical scenario. You choose the car you want to purchase, get the finance agreement pitch, and then move to discussing extras like gap insurance. The usual pitch is cloaked in terms of urgency, but the underlying narrative tells a much different story. You see, car dealerships profit like bandits off gap insurance. They retain commissions as high as 50% of the policy premium. That is money you’re putting right into their pocket just for the privilege of letting them sell a gap policy to you.

The reason most customers fall for the sales pitch is simple. They assume that the dealership is the only place to purchase gap insurance. While this is certainly false, the dealership won’t mention it, because they want to make the extra commission. Don’t fall for this. There are other places to purchase gap insurance for much less money.

You could purchase this coverage from other sources, like lenders or credit unions, and pay less. You could expect to find deals ranging from $250 to $700 annually with these options. They are not tied to dealerships, and as a result, have much better pricing

However, the best place to find a great deal on gap insurance is your auto insurance company. Select Insurance Group can find a price that is significantly less because we shop around for the best price, which can sometimes be as little as $20 per year. This is why it is always best to talk to a licensed agent before making any decisions. They have industry insight and experience and can help you make informed decisions.

How to Benefit from Gap Insurance Coverage

So what do the above scenarios tell you? It’s more than worth it to consider purchasing gap insurance from anywhere but a car dealership. There is really no reason to roll the gap policy into your dealership finance agreement, since you typically only need to get protection for a few years.

Gap insurance is a wise choice in any of these circumstances:

  • You are purchasing or leasing a new or slightly used vehicle.
  • You are buying a vehicle of significant value.
  • You are financing a new or used vehicle without a large down payment, creating a “gap” between your vehicle’s actual value and your loan amount.
  • You do not have significant cash savings that would allow you to cover the difference between the amount you owe on your loan and the actual cash value if your car is stolen or totaled.

As with most types of insurance coverage, everything comes down to your risk. If you are buying a car, gap insurance will most likely be optional, and you get to decide. Do you want to avoid the possibility of a large financial burden if something bad happens to your car, or are you willing to take that risk?

Industry statistics show that new vehicles lose about 30% of their value in the first year after purchase, and 20% the second year. As a result, car owners can end up being upside down on their loan: The value of the automobile is less than the loan amount. This makes gap insurance a wise investment if your vehicle is damaged or stolen within that time frame. That’s a benefit you cannot argue with. Yet, to purchase the best policy and get the most benefit, you should always talk to your Trusted Choice agent to help you decide whether gap insurance is worthwhile, based on your circumstances.

How Does Gap Insurance Work?  

Gap insurance covers the gap between what your vehicle is worth and what you are actually on the hook for in regard your vehicle loan after a collision. Does gap insurance cover theft? Absolutely. However, typically there is a waiting period (30 days or so) after the claim is filed. This leaves time for your vehicle to be recovered. If that occurs, then your standard insurance coverage activates. It is important to reiterate that gap policies are typically only needed for a specific period of time. Once the market rate of your vehicle plateaus and comes in line with current market rates, a gap policy is no longer needed. However, since the decrease in vehicle value is so drastic in the beginning, gap insurance is a worthwhile investment.

It works like this. Let’s say you purchase a vehicle brand new for $35,000. The moment you drive it off the lot, the value drops. Then, it may only be worth $27,000. If you are in an accident, your auto insurance will pay the replacement cost of the vehicle, or $27,000. The policy specifies that they must fulfill the obligation of replacement at current market value. It has nothing to do with the loan value of your vehicle. You are still $7,000 short. Gap insurance would make up the difference.

The cost of gap insurance will vary depending on a number of factors, including the value of your car. Did you just buy a new Jaguar or a Mitsubishi? Are you leasing a new hybrid car? At an average rate of just $40 per year, it is most likely worth the extra insurance expense if your car’s loan amount significantly exceeds its value. Another factor that will affect your gap insurance cost is the auto insurance company you choose. Not all insurance is the same, and prices can vary dramatically from one insurance provider to the next. Working with an independent agent who can compare prices and options from multiple companies will help you find the best coverage and price.

Getting the Best Deal on Gap Insurance

It is important to keep in mind that not all auto insurance coverage is equal. Therefore, it is in your best interest to work with an independent agent  like Select Insurance Group to make sure you purchase a policy that best suits your needs. We will get a much better deal than if you purchase a policy from a dealership. Contact a Select Insurance Group licensed agent today at 855-GET-SELECT (855-438-7353) to make sure you purchase the right gap auto coverage policy.

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.

uber rideshare insurance

Cheap Uber And Lyft 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.


The Consequences of Underage DUI Convictions

The Consequences of Underage DUI Convictions

The Consequences of Underage DUI Convictions

The Consequences of Underage DUI Convictions. Many states have a zero-tolerance policy when it comes to drivers under the age of 21.

This means that if you are caught driving while under the influence of any amount of alcohol you will be convicted of a DUI.

This article will examine the laws regarding underage DUIs, how they differ from standard DUIs.

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St. Louis Is the Newest Member of DUI “No Refusal Zone”

St. Louis DUI No Refusal Zone

St. Louis DUI No Refusal Zone

St. Louis DUI No Refusal Zone – If a St. Louis Mo officer suspects you are driving under the influence of alcohol, you have two options: to refuse the breath test and face a blood test. Whether you consent or not, these are the rules of “No Refusal Zones.”

The No Refusal Zone

The “No Refusal Zone” across St. Louis City news was announced in a planned press conference on Monday afternoon. In attendance was, Police Chief Sam Dotson, City Circuit Attorney Jennifer Joyce, and Fire Chief Dennis Jenkerson.  The issue has passed through the U.S. Supreme Court and was recently approved.

The Missouri law states that: If police pull you over and suspect that you are driving drunk, you can refuse to give a breath test, but the law does not protect you further. You might also not get defense recent nation’s highest court rulings from consequences that follow when you refuse a breath test. You might get your blood drawn without a warranty. Tyler McNeely was arrested in October 2010 by a Cape Girardeau County officer for suspicion of DUI and refused to take a breath test. The refusal led them to the hospital for a no-warranty blood test.

It seems like city officials plan this move every time one refuses the breath test. According to eight of the nine Supreme Court justices, this act is a violation of the suspect’s fourth amendment protection law. Therefore, the police must first seek a search warrant before taking any unnecessary search and seizure such as taking blood samples, says Justice Sonya Sotomayor.

A Mo. Judge Mike Carter in Wentzville was found not guilty of DWI.  In his statement, he applauded the city’s efforts against drunk driving.  However, it is quite disturbing to him when a police officer seeks a warrant for a blood test for each and every breath test refusal.

Depending on the state, fault in a car accident can be under fault or no-fault based systems. Missouri falls under the fault system, which require that your insurance company covers for medical expenses, economic damage and non-economic damage.

The maximum penalty for a DUI that should be covered by your SR22 include:

  • Paying a maximum amount per person for bodily injury (“BI”) injuries: $25,000.
  • Paying a total amount for all bodily injury if several people are injured: $50,000
  • Paying a total amount for property damage (“PD”): $10,000.

BAC Levels

The blood alcohol content BAC of an under 21 driver should not read .02% or higher, during a chemical test or else you will be cited for driving under the influence. There is a lookback period or a “washout” period of 5 years- at time when prior DUIs are relevant.

If you should operate a vehicle upon the public highways of this state, you should be aware of the implied consent law (this is an essential law being used by all 50 states in drunk driving prosecutions). The implied consent law places you as subject to the provisions of sections 577.019 to 577.041, you give consent to chemical test. If the law enforcement officer has reasonable grounds that you are physically impaired, all the necessary directions will be administered by the arresting officer.

A driver can exercise his or her right to withhold consent for the search: the Fourth Amendment. If it is done without warranty, then this gives the offender a shot at suppressing the test arguing that it was not given voluntarily. Since 2014, the state made it easier and faster for the arresting officer to get the warranties required for blood tests- they are obtained almost automatically.

50% of the drivers in City of St. Louis are notorious in refusing to take Breathalyzer tests or cooperate with field-sobriety tests. If you refuse to take the mandatory tests you will go to jail for 10 days or more depending on your case; you will also lose your license for one year.

Select Insurance Group is determined to help you know every bit of information that counts if you commit a DUI or DWI in the state of Missouri. For more information about SR22/DUI laws fill our auto quote forms or contact us. We cater for the needs of high-risk drivers in accordance to the state requirements.

If you have questions, don’t hesitate to call: 877-949-7873 or 855-GET-SELECT (855-438-7353). One of our licensed agents will help you right away.

Drinking and Driving Statistics and Facts

Drinking and Driving Statistics and Facts

Drinking and Driving Statistics and Facts

Drinking and Driving Statistics and Facts – According to National Highway Traffic Safety Administration, after every two minutes, a person is injured in a drunk driving crash. When we talk about an injury do not think about bruises, imagine an organ like a leg or fatality like the loss of life. No man would deny the seduction one or two drinks to relieve themselves some stress or miss a party where a crush is attending. In 2014, the Federal Bureau of Investigation confirmed that over 1.1 million drivers were arrested for DUI caused by narcotics or alcohol consumption.

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Ohio Student Drunk Driving Education and Facts

Ohio Student Drunk Driving Education and Facts

Ohio Student Drunk Driving Education and Facts

Ohio Student Drunk Driving Education and Facts – In 2014, alcohol-related accidents in Ohio amounted to 1006 fatalities. Operating a Vehicle under the Influence (OVI) in Ohio is the number one reason for these road injuries and deaths. This has resulted in the increase in the number of felony charges among students (aggravated vehicular assault or aggravated vehicular homicide). Therefore, traffic crashes are the leading cause of death among teenage drivers in America.

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