Free DUI Lawyer In California

Reader’s Question:

What is a California Low Cost Automobile Insurance Program? Who are eligible?

Marge

San Francisco CA

The California Low Cost Automobile Insurance Program is a way to address the problem of uninsured drivers in California, proposing the theory that most uninsured motorists go without car insurance due to the cost, and that if affordable coverage was available, many motorists would buy it.

The program is administered by the CA Automobile Assigned Risk Plan and policies are written by California Insurers.

Qualified applicants should:

• be at least 19 years of age or older and a continuously licensed motorist for the past 3 years.
• qualify as a good driver.
• have a car currently valued for $20,000 or less
• meet Income eligibility requirements.

If you want to know more information regarding CA Low Cost Automobile Insurance Program contact California Insurance Department.

Reader’s Question:

Since I have never gotten into an accident, I’d like to know if I need to inform my auto insurance company in case I encounter one. Am I obligated by law here in California to report any accident to my auto insurance company?

Aditya

San Francisco, CA

Although car insurance providers demand that they would like to know even the least accident you are involved with, you are not obligated by law in California to tell them about this accident. If it is obvious that the deductible that you agreed to pay is higher than the cost of the repairs on your vehicle, it would be better to pay the expenses by yourself and not report any claim to your car insurance provider. Keep in mind that all of your claims, even so if the damage would be less than your deductible, it will be on your insurance history. However, although the absence of an accident report to your insurance provider will not make you a criminal, majority of auto insurance policies state that the insurance provider has no responsibility to give coverage if you fail to report the accident quickly.

It would be reasonable not to file a claim if the repair expenses are less than your deductible. What they always advise to pick a higher deductible will be applied to this instance. You can keep the money that you save for having cheaper auto insurance premiums or you can even deposit it into a bank account. In case of an auto accident, you are financially ready to repair the damage even if the charge will be a little higher than your deductible.

Reader’s Question:

My dad was judged to be at fault in a car accident here in San Francisco, California. Would our car insurance settle the whole amount of the damages my father needs to pay?

Guine

San Francisco, CA

If you didn’t scrimp on car insurance, you should have at least some level of financial backing from your car insurance provider in paying whatever damages and obligations (this would range from hospital and medical costs, rehabilitation expenses, economic or income loss, property damages and even payment for suffering and pain on the injured party’s end.) that needs to be paid by your father. Whether or not you will be provided the full amount depends on the coverage ceiling set by your car insurance company when you’re father signed the agreement.

There are a lot of people out there are not familiar with how their insurance would work once involved in a car accident. Some think that just because they have “insurance” that they will be covered completely. Normally, most peoples auto liability insurance coverage (which should fall greater than or equal to the minimum required coverage amount by the state of California (that is 15/30/5, $15,000 coverage for injuries per person per accident, $30,000 total limit for all injured person per accident and $5,000 for damages to property) are enough for minor car accidents and injuries. But if you’re father is obligated to pay full in a major car accident than you would want to get in touch with your insurance provider there in Sacramento. If you’re father got an umbrella policy than this should be quite enough to cover him even if it is a major car accident he caused.

Reader’s Question:

I’m doing a little online search for SR22 auto insurance because of my DUI charge here in California and I kinda need a little help. Aside from the price, what are the factors that I need to consider when purchasing SR22 auto insurance?

Harvey

San Francisco, CA

Because of your DUI charge in California, you are required to maintain a high risk auto insurance policy that is referred to as the SR22 auto insurance. This form is being filed through the Department of Motor Vehicles (DMV) and it can be filed on your behalf by your insurance company either online or in person. If you would want to get your high risk insurance policy established quickly in order to restore your driving privileges, then you might want to file the SR22 auto insurance form online since you are already doing an online search for SR22 auto insurance.

When choosing your high risk auto insurance provider, you might want to look at different factors aside from the price of the insurance policy. The important factors to consider are the availability of policies in your geographical area, the type of insurance company you’re dealing with, cancellation and suspension guidelines and coverage offered for the SR22 auto insurance. Get a free online rate quote now from a great insurance company for your SR22 auto insurance needs.

Reader Question

Living a life here at San Francisco, California comes with a price. Engaging with the top executives of companies and establishments led to a much needed socializing that involves alcoholic beverages, which of course I can’t say no to it. This has taken its toll, and has led to my first DUI conviction.

A lot is at stake here, my career, my family and eventually my social status. It can ruin the life that I had before such conviction. I had heard of expunging a DUI conviction and somebody told me that it can solve my problem and that I can regain the life that I had before. Is there such thing as expungement?

Edward, San Francisco CA

Edward,

You got same questions from most of first offenders of DUI or even those who are convicted of DUI more than once. In the state of California, like other states in the US do allow you to expunge record of DUI conviction.

What expungement does, it seals your DUI conviction. All you need to do is to file a petition in court asking to expunge your DUI conviction record. The court will replace your plea into not guilty and then eventually dismisses your case. The effect of which is that when you are going to apply for another job that you want, there is no need to disclose any information pertaining to your DUI conviction.

To make it easier for you, try to contact an expungement lawyer who will do the hassle of filing a petition in court to expunge your DUI conviction.

Reader’s Question:

What possible reasons for my DWI case in California be dismissed?

Paul

San Francisco CA

Thank you for asking Paul.

Dismissal of all DWI charges is a procedure when the defendant plea bargains for a reduced charge, such as alcohol related reckless driving, also known as “wet reckless”. If this happens, all drunk driving charges are dismissed and the client pleads guilty to the freshly added lesser charge.

If a DWI attorney claims that drunk driving charges have often been dismissed for his or her clients, ask if those clients were convicted of anything else instead. A wet reckless for first offenders offense is nearly as bad as a drunk driving offense. This counts as a prior offense if you’re arrested again later, and much of the penalty is the same as for drunk driving. Car Insurance companies know what it is, and will increase premiums accordingly, you will be in assigned risk category. It can still be a good deal for some clients, especially those who already have prior offenses on their driving records. This is because there’s no increased penalty for reckless driving based upon previous convictions of drunk driving. However, you don’t hire a good lawyer to get a wet reckless for a first offense, at least not when you have a good case.

MariCAR