News Archives

This is the News Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.

Florida FR44 Insurance Requirements

After alcohol or drug-related motor vehicle conviction, you’ll find that Florida FR44 insurance requirements result in substantially higher insurance premiums. The minimum insurance coverage requirements for FR44 insurance are much higher than the minimum coverage for standard and SR22 insurance.

When you have a Florida DUI or DWI conviction, you’ll become familiar with Florida DUI penalties, laws, and Florida FR44 insurance requirements. Based on your case, you’ll have to meet specific conditions to reinstate your license.

Colorado Auto Insurance Laws

There are many ways to make sure that you comply with the provisions of Colorado auto insurance laws. Being properly insured is one of the most important and obvious to comply with. Other ways include knowing what to do in case of an accident and learning how to be a more defensive driver. Being more aware of auto insurance laws can save you money as well as potential problems as a driver.

Colorado auto insurance laws require any driver who operates a motor vehicle in the state to have minimum liability insurance coverage set by the state. The minimum Colorado auto insurance coverage required by the state is:

Learn More

Non Owner SR22 Washington State

Non owner SR22 Washington state is a high risk insurance certificate that’s required to reinstate your license if you don’t own a vehicle. The SR22 certificate is attached to a non owner insurance policy and filed with the state DOL. This type of policy insures you against liability when you drive a vehicle that you don’t own.

If you don’t own a vehicle you will need to purchase a non owner SR22 Washington state certificate to reinstate your suspended driver’s license. When you become eligible for license reinstatement your SR22 certificate will be attached to a non-owner insurance policy and filed by an insurance company with the Washington Department of Licensing (DOL).

Learn More

Non Owner FR44 Virginia

Non owner FR44 Virginia is a type of insurance you can carry that allows restricted driving privileges when you have a suspended license after a DUI or DWI conviction. It’s called non-owner FR44 insurance because it’s for individuals who do not own a vehicle. Instead of covering a vehicle, non-owner insurance covers the individual when driving a non-owned car, truck, or motorcycle.

You likely have a driver’s license even if you don’t own a vehicle. Most people require a driver’s license for identification, voting, airline travel, and driving a borrowed vehicle. Suppose you get a DUI or DWI charge and license suspension while driving a friend’s car. If you don’t own a car, you must file a non owner FR44 Virginia certificate for license reinstatement.

Learn More

Texas DWI Laws

Texas DWI laws cover all aspects of the offenses of, and penalties for driving under the influence or driving while intoxicated. DUI/DWI offenses are the most serious of motor vehicle violations, and the penalties are severe. Many factors can affect how a person is affected by alcohol and legal or illegal drugs. It’s best not to ever take a chance driving when the possibility of impairment exists.

Individuals who experience the consequences of driving while intoxicated discover that Texas DWI laws call for strict penalties. People are hurt or killed in car accidents every day by drunk drivers who believe they are still able to get behind the wheel without any problems occurring. We strongly encourage all Texas drivers to think ahead and make arrangements for a designated driver when needed, to avoid unnecessary tragedies.

Learn More

Tennessee Implied Consent Law

If you’re stopped by an officer who suspects you of DWI or DUI, don’t think you can escape the situation by refusing to test. In fact, this may cause you more problems than not. The Tennessee Implied Consent Law states that when you obtain a Tennessee driver’s license, you give your implied consent, or express permission to be tested if an officer suspects you of driving impaired or intoxicated. The penalty for refusal to test is severe.

From time to time you may encounter a driver who thinks they can avoid trouble by refusing to take a DUI breath or blood test when they’re pulled over for a potential DUI or DWI violation. Many people don’t realize that refusal to take a DUI test can result in automatic one year license suspension under the Tennessee Implied Consent Law. In addition, they may face criminal charges and spend up to one year in jail as well as pay administrative penalties and heavy fines. Implied consent means that if you have a Tennessee driver’s license and operate a vehicle in Tennessee, you are legally required to submit to a DUI or DWI test if an officer pulls you over and asks you to do so.

Learn More

South Carolina Implied Consent Law

As a licensed driver, the South Carolina Implied Consent Law means that you implicitly agree to take a DUI test if an officer requests you to do so. Refusing to submit a breath or BAC test results in a 6-month to one year license suspension. To obtain a restricted license during your suspension, you’ll need to carry SR22 insurance.

Has an officer stopped you for suspicion of driving under the influence? The officer may have asked you to perform several field sobriety tests. These tests may have led the officer to ask you to submit a breathalyzer test. The South Carolina Implied Consent Law requires drivers to take a breath or other DUI/DWI test if an officer has reason to suspect driving under the influence. In other words, when you obtain a state driver’s license, you imply that you will agree to provide a DUI test upon an officer’s direction.

Learn More

Oregon Implied Consent Law

The Oregon Implied Consent Law applies to all drivers who operate a motor vehicle in the state. If an officer suspects you of DUI/DWI, this law requires you to take a DUI test at the request of the officer. If you refuse, the state will suspend your driving privileges for a specific time. This suspension require you to attach an SR22 certificate to your auto or non-owner insurance policy to reinstate your license.

What’s the meaning of implied consent regarding the Oregon Implied Consent Law? All licensed drivers must provide a breathalyzer test upon the request of an officer who suspects them of DUI/DWI.

The Oregon Implied Consent Law mandates:

An automatic one-year driver’s license suspension for a first DUI/DWI test refusal.
A three-year license suspension if a driver with DUI-related offenses within the previous five years refuses to test.

Additionally, the license suspension for refusing to test is separate from the suspension for a DUI conviction.

Occupational and Hardship Licenses

The Oregon Implied Consent Law allows you to request a hearing for:

An occupational driver’s license to commute to work. (This license is not valid for operating any commercial vehicle or limited driving with a CLD license.)
A hardship permit for other limited driving privileges. If the court grants a hardship license, you must sign a DUII Diversion Agreement and install an ignition interlock device (IID) in your vehicle(s).

The state will require you to pay an administrative and reinstatement fee and file an Oregon SR22 certificate through a licensed insurance provider. There are additional fees to install and maintain the IID for a time the court assigns.

Oregon SR22 Insurance For License Reinstatement

It’s important to distinguish between proof of insurance and SR22 insurance. The minimum liability insurance coverage the state requires all drivers to carry differs from Oregon SR22 insurance coverage. An insurance provider licensed in Oregon must attach an SR22 certificate to an auto or non-owner insurance policy and file it with the DMV. This filing satisfies the SR22 requirement for reinstatement of the driver’s license. The Oregon DMV website has more details about SR22 insurance and license reinstatement requirements. The SR22 DUI Insurance page on our website also includes helpful related information.

Not all insurance companies are capable or willing to file an SR22 insurance certificate with Oregon DMV. When you have an Oregon Implied Consent Law violation, call UltraCar Insurance! Our licensed Oregon agents provide fast, no-obligation quotes and a consultation to determine your high-risk auto insurance needs.

Learn More

Non Owner SR22 Ohio

Non owner SR22 Ohio is a certificate you file with the Ohio BMV to reinstate your license. This type of high-risk insurance is for drivers who do not own a vehicle. Rather than attaching the SR22 certificate to an auto insurance policy, it is an endorsement to a non-owner’s insurance policy.

Non owner SR22 Ohio is a high risk insurance policy the state requires to reinstate your license after a suspension. It’s for drivers who do not own a vehicle.

Learn More

Colorado DUI Laws

Because of the high potential for injury and death resulting from drinking and driving, Colorado DUI laws call for strong penalties for violations. DUI laws outline specifics of driving under the influence of alcohol and illegal or prescription drugs, and the penalties for first and subsequent violations. Many people may feel that they’re capable of driving safely after a drink or two, but it is never completely safe to drive after drinking, smoking marijuana or taking prescription drugs.

As in all states, Colorado DUI laws prohibit driving under the influence of alcohol or drugs and outline the consequences. DUI and DWI have the same meaning and effect in many states. But in Colorado, there is a difference between DUI and DWAI. DUI is driving under the influence of alcohol or drugs. DWAI stands for driving while ability impaired.

Learn More