Reader’s Question:

I plan to use my RV as our primary residence here in Cupertino, California but I haven’t gotten it insured. Do you think we need a special type of insurance for our RV?

Haven

Cupertino, CA

Recreational Vehicles are actually special vehicles that would require having a special type of insurance. Neither car insurance nor a home insurance could be able to properly or fully give coverage for the RV and the owners of the RV. You would have to do some thorough research to be able to find the necessary insurance for your needs on your RV. If you are lucky, you do not need to have insurance for your RV. But if you need insurance, you would be lucky to have it.

Since you plan to use the RV as your primary residence in Cupertino, California, you may want to get insurance coverage that will allow full replacement if an accident happens. You could never foresee an event where such insurance coverage is needed but when you need it, you’d be very much grateful to have it. Cardboard boxes do not make much of a home these days. Consider having an insurance coverage when your RV is parked at a campsite so that you could have protection against theft or injuries.

Tags: auto insurance, RV

Reader’s Question:

I was required to get an SR22 insurance because of my DUI conviction here in Elsinore Valley, California. Do I need to get it from another company or will my current auto insurance provider have that for me?

Kaleena

Elsinore Valley, CA

You would have to get an SR22 insurance because of your DUI conviction in Elsinore Valley, California. This is a form that would be a proof of your financial responsibility and this says that you have the right amount of insurance that the state of California orders you to have. Your auto insurance provider could file the SR22 insurance for you but make sure that you check with them for their standard procedure. In case they don’t offer SR22, you can always get it from someone who offers it and you can find it from this website so get a free quote now.

You may have to maintain the SR22 for a number of years, depending on your specific case. The length of time an SR22 stays active would depend on your state and the details of your DUI. Getting an SR22 would often make you in the higher risk category for auto insurance providers and that means that your premiums could increase and stay higher for a number of years after you got your DUI. It is not the end of the world after your DUI but you have to pay for it for at least a few years- especially if it is with regard to your auto insurance.

Tags: auto insurance, auto insurance quotes, DUI, SR22 insurance

Reader’s Question:

How long will my DUI here in Jurupa, California stay on my driving record? What’s the average auto insurance rate increase and how long will I have higher rates after my DUI?

Patrick

Jurupa, CA

The period of time a DUI conviction would remain on your driving record depends on the state laws. In the state of California, your DUI in Jurupa, California would remain on your record for seven years unless you have a “Failure to Appear.” In that case, your DUI would last on your driving record for 10 years. You can also verify the information with the Department of Motor Vehicles (DMV).

The auto insurance rate increase would most likely happen at your next renewal period when your auto insurance provider checks your motor vehicle record (MVR) and finds out about your DUI. The length of time for the higher auto insurance rates would again depend on the state laws or the insurance provider’s own rating guidelines. Normally, it could affect you for three, five or seven years or as long as the offense is on your DMV record if state insurance laws allow it. The amount of the auto insurance rate increase depends on the insurance provider’s rating system but on the average, it could go up to 30%. If your current insurance provider increases your rate to an unjustifiable amount, you can get auto insurance quote from this website.

Tags: auto insurance, auto insurance rate, DUI, DUI insurance

Reader’s Question:

I’m worried about my auto insurance after my DUI conviction here in Alameda, California. What do I need to know about my auto insurance or what do I have to do now after my DUI conviction?

Adrian

Alameda, CA

You may be like most individuals who simply could not afford not to be driving even after a drunk driving or DUI conviction. Most of us need to maintain their transportation options for us to make a living. We all commit mistakes but the law makes sure that you would certainly pay for the privilege to get back out on the highways. Although there are a lot of auto insurance providers that would offer you coverage after your DUI conviction in Alameda, California, it would be important to do your research.

You would be ordered to get an SR22 proof of insurance for you to reinstate your driver’s license. The auto insurance provider you choose would file an SR22 form on your behalf to release the suspension order placed by the Department of Motor Vehicles (DMV) on your license. The auto insurance provider could tell you the steps that need to be taken to make sure that you’ll have the SR22 promptly. You can check what is on your driving record because the auto insurance provider would confirm the information you would give them so make sure that it is accurate.

Tags: auto insurance, DUI, DUI conviction, SR22 insurance

Reader’s Question:

My cousin was convicted for DUI here in Camarillo, California a year ago and he had to file for an SR22. What is this so-called SR22 and what does this cover? Does filing an SR22 have any effect on financing a new car?

Frankie

Camarillo, CA

Your cousin is required to get SR22 because of his DUI conviction in Camarillo, California a year ago. SR22 should be filed by the auto insurance provider and this states that an auto liability insurance is in effect for a certain person. Every state has variety of the SR22 forms and they also have different requirements. The filing of an SR22 insurance should not have any direct effect in obtaining financing on a new car. Financing is not related to the requirement of financial responsibility laws of a state.

Normally, an SR22 would have an extra $15 to $25 filing fee. Your cousin would have to purchase coverage levels that mandated by the financial responsibility laws of California. He could see an increase cost over what he is used to be paying. The reason behind that is because he is purchasing additional coverage than what he previously had.

Tags: auto insurance, auto liability insurance, DUI, SR22 insurance

Reader’s Question:

I was dropped by my car insurance provider, so would it be easier for me to go online to look for car insurance after my DUI conviction here in West Covina, California?

Hezekiah

West Covina, CA

It’s understandable that you have been dropped by your car insurance company after being convicted for DUI in West Covina, California. A lot of car insurance companies do that if they feel that a customer is a high risk driver. But I’m sure you’d be able to get another car insurance company to give you coverage and going online to look for it would save you time. You need to decide first what type of coverage you need because there are a lot of different types of coverage and coverage options. You can look at the coverage policies the car insurance company offers when looking at the website. A lot of them would let you know the minimum coverage the state of California allows.

You can choose a car insurance company by comparing the prices of the policies and the coverage that are offered and you can go directly to their website. On this website, you can find the best car insurance policies after your DUI conviction and you can simply enter your zip code and you’ll get a free quote.

Tags: car insurance, car insurance quotes, DUI, DUI insurance

Reader’s Question:

I’m afraid I’ll lose my license after being charged with DUI here in Downey, California. How can I avoid losing my license and driving privileges after getting a DUI?

Darren

Downey, CA

A DUI charge in Downey, California would have serious consequences and the penalties if convicted often include losing your driver’s license. The state of California would take away your license on the spot after failing the blood alcohol test during a DUI stop or refusing to submit to it. Whatever the situation is in your DUI case, you will need to find good legal representation. A DUI defense lawyer would the law and your rights.

You have to decide what and your DUI lawyer would argue regarding your need to have your license. Depending on the number of prior DUI convictions, a limited or restricted driver’s permit could be issued. This would allow you to drive to and from work, and sometimes to appointments that are absolutely necessary. You would have to confer with your DUI lawyer as to your best approach. You can also ask the lawyer how you could minimize the effect of a DUI conviction so that your future finances and employment will be affected as little as possible. The DUI lawyer can also give you tips on how to deal with your auto insurance after being charged with DUI and especially if you get convicted.

Tags: auto insurance, driver’s license, DUI, DUI conviction, DUI lawyer

Reader’s Question:

Is pleading guilty to my DUI charge here in Bellflower, California a good option for me? If so, how would I handle a DUI with a guilty plea?

Charlie

Bellflower, CA

Pleading guilty to your DUI charge in Bellflower, California may be a wise choice if you can get the judge to understand that you truly want to work on never getting another DUI charge. Now, if you are already decided to plead guilty, you have to show up in court during your arraignment. When your name is called at the arraignment, you have to tell the prosecutor or judge that you want to plead guilty to your DUI. You also might want to meet with the prosecutor before your arraignment to plead guilty to your DUI charge. This would allow you to privately discuss your options with the prosecutor or assistant prosecutor. By doing this, you can negotiate down your charge in exchange for the guilty plea.

The judge or prosecutor would give you important information about what would be expected of you next, so listen. You would likely be sentenced to a choice of a DUI class or jail time if your DUI is a misdemeanor charge. You have to tell the judge right then and there which one you would choose. In the course of deciding on pleading guilty to your DUI charge, you may also want to get an affordable yet car reliable insurance for you after your DUI so get a free quote now from this website.

Tags: car insurance, DUI, DUI lawyer

Reader’s Question:

How long do I have to carry an SR-22 insurance in El Cajon California, for a DUI conviction?

Joe

El Cajon, CA

After a DUI conviction normally in California one must file and carry an SR-22 for a period of three years. The amount of time the El Cajon California SR22 must be maintained by a driver may vary depending upon their conviction and if there were other issues surrounding in the case, such as driving uninsured.

If you are required to carry an SR22 insurance due to a DUI in CA you may contact the California Department of Motor Vehicles to know exactly how long you are required to maintain it.

If you had been convicted of driving under the influence of drugs and/or alcohol (DUI) you would have to go through the following steps to have license reinstated:

• Complete a mandatory suspension period.
• Pay to DMV a reissue fee .
• File Proof of Financial Responsibility SR 22
• File a Notice of Completion Certificate (DL 101)
• Pay fines to the court.

Tags: auto insurance, drunk driving insurance, DUI, sr22 insurance

Reader’s Question:

How many years does a wet reckless remain on your driving record for in Arcadia, California? Is it the same with DUI?

Amy

Arcadia, CA

Under the new California legislation law, any DUI violation under CA Vehicle Code will report for ten years. There are some other non-DUI violations such as wet reckless that will report to courts and police for ten years and may count against you for the purpose of determining increased penalties for repeat violators, but will continue to appear on a public driving record for only seven years.

So the new California law does effect your wet reckless violation in Arcadia CA but it appears a wet reckless is better for you than a DUI offense in the sense that it will only appear to your public driving record (the one employers and insurance carriers see) for seven years though the state of CA can continue to count it against you for ten years.

You may contact the California Department of Motor Vehicles (DMV) for more information with regards to your driving record and how the wet reckless violation affects it.

Tags: DUI