SR22 Insurance Archives

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

An auto insurance agent talking with a client about Broad Form SR22 Insurance.

What is Broad Form SR22 insurance?

In several states, you can get an inexpensive form of auto insurance called Broad Form insurance. Broad Form SR22 insurance is a means to have your license reinstated. You can buy it if you own one or more vehicles or if you don’t own a car. Although it is very low-cost, it comes with strict coverage limitations that you should fully understand before you buy it.

In some states, Broad Form SR22 insurance is a low-cost, non-owner auto insurance option for license reinstatement. In most cases, people file a non-owner SR22 insurance certificate if they don’t own a car and an SR22 insurance certificate if they do. This type of policy is also an option if you want to insure multiple vehicles.

SR22 Motorcycle Insurance

You may not be aware that you can purchase SR22 motorcycle insurance for license reinstatement. Usually, attaching an SR22 certificate to a motorcycle insurance policy is less expensive than a car or truck policy. Even so, your cost will depend on various factors, both personal and motorcycle-related.

Have you heard of SR22 motorcycle insurance? If you own a motorcycle and need to buy SR22 insurance for license reinstatement, you may not be aware of this option.

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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:

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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.

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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.

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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.

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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.

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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.

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California DUI

When you have a California DUI or DWI violation, one of the penalties is license suspension for a specific time. You’ll need to file a California SR22 insurance certificate to obtain a restricted license to drive to and from work. The SR22 certificate is endorsed to an auto or non-owner insurance policy. You must work with a California-licensed insurance provider for an appropriate policy and certificate. California DUI insurance is available to vehicle owners and to those who don’t own a car.

The decision to drive after drinking is one that can negatively affect your personal and financial life. If an officer pulls you over and you don’t pass the sobriety test, state will charge you with a California DUI violation. Failing the test leads to suspension of your driver’s license. You’ll then have to go through an administrative hearing process for license reinstatement.

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How to get lower insurance rates

Even if you currently have a poor driving record, there are many ways you can get lower insurance rates in the future. If you carry SR22 or FR44 high-risk insurance, you may think you’ll have to pay high premiums forever. However, you can put yourself in a position to get lower auto insurance premiums after you complete your SR22 or FR44 obligation.

No one wants to pay more than necessary to insure their car. But there are many ways to get lower insurance rates on your auto or motorcycle insurance. If you ever had to carry SR22 insurance or FR44 insurance, the suggestions outlined below can lower your auto insurance costs later.

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