California Non-Standard Auto Insurance

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DUI
Auto Insurance and SR-22 Insurance

Each state
sets its own speed limits, and it also decides what to do
about drunk driving in the state. The table below shows how
states define drunk driving. Whether they immediately suspend
the driver’s license for first-time offenders, how long offenders
have to wait until they can drive again, and whether drunk
drivers face having their vehicles impounded or fitted with
an ignition interlock.

DUI
Insurance and SR-22 Insurance

Administrative
license suspensions happen independently of the criminal process,
which means drunk drivers get taken off the roads that much
more quickly. Interlocks analyze a driver’s breath and disable
the ignition when they detect alcohol.

SR-22
in California and Other States

You’ll
notice that there are different figures for adults and youths.
That’s a result of the zero-tolerance measure passed by Congress
in 1995, and subsequently by the states. It sets a different
standard for drivers under the age of 21, who cannot legally
drink alcohol. We help you understand SR-22 in California
and anywhere. We offer SR-22 insurance and comprehensive DUI
auto insurance.

DUI
Insurance: Drunk driving per se
An “illegal
per se” law means that it is illegal in and of itself for
you to be caught driving if your Blood Alcohol Concentration
is over a certain amount. We offer DUI auto insurance for
drivers who have had DUI charges. We know that getting insurance
after an infraction is difficult. Our DUI insurance is the
perfect solution (.10 or .08 percent, depending on the state).

In places
without an “illegal per se” law, your BAC is just one of the
factors that determines whether or not you’re a drunk driver.
Other factors would include slurred speech, unsteady gait
and all those other things that the police look for when they
give those roadside tests. Every state except Massachusetts
and South Carolina has an “illegal per se” law.

What
is an SR-22?
How
quickly can I activate my insurance and SR-22 filing?
In most cases your insurance and SR-22 can be activated immediately
over the phone. Once a quote has
been prepared our agents will complete an application for you
and activate your insurance coverage immediately.
How
can I pay for my insurance and SR-22 filing?
Our
office has many payment options available. You may pay in full
or make an affordable down payment and monthly payments. You
may select a payment method of check by phone or fax and we
accept all major credit cards.
What
are the penalties for a DUI?
State
BAC
defined as illegal per se
Admin.
license suspension 1st offense (3)
Restore
driving privileges during suspension? (3),(4)
Do
penalties include interlock/ forfeiture? (5)
Adult(1)
Youth(2)
Adult
Youth
Alabama
0.08
0.02
90
days
no
no
no
Alaska
0.10
0.00
90
days
after
30 days
yes
yes
Arizona
0.10
0.00
90days
after
30 days
no
yes
Arkansas
0.10
0.02
180
days
yes
yes
yes
California
0.08
0.01
4
months
after
30 days
yes
yes
Colorado
0.10
0.02
3
months
no
yes
no
Connecticut
0.10
0.02
90
days
yes
no
no
Delaware
0.10
0.02
3
months
no
yes
no
District
of Columbia
0.10
0.02
2-90
days
yes
no
no
Florida
0.08
0.02
6
months
yes
yes
no
Georgia
0.10
0.02
1
year
yes
yes
yes
Hawaii
0.08
0.02
3
months
after
30 days
yes
no
Idaho
0.08
002
90
days
after
30 days
yes
no
Illinois
0.08
0.00
3
months
after
30 days
yes
no
Indiana
0.10
0.02
180
days
after
30 days
yes
no
Iowa
0.10
0.02
180
days
yes
yes
no
Kansas
0.08
0.02
30
days
no
yes
no
Kentucky
0.10
0.02
no
no
Louisiana
0.10
0.02
90
days
after
30 days
yes
no
Maine
0.08
0.00
90
days
yes
yes
no
Maryland
0.10
0.02
45
days
yes
yes
no
Massachusetts
none
0.02
90
days
no
no
no
Michigan
0.10
0.02
n/a
n/a
yes
no
Minnesota
0.10
0.00
90
days
after
15 days
no
yes
Mississippi
0.10
0.08
90
days
no
no
yes
Missouri
0.10
0.02
30
days
no
yes
yes
Montana
0.10
0.02
n/a
n/a
yes
yes
Nebraska
0.10
0.02
90
days
after
30 days
yes
no
Nevada
0.10
0.02
90
days
after
45 days
yes
no
New
Hampshire
0.08
0.02
6
months
no
no
no
New
Jersey
0.10
0.01
n/a
n/a
no
no
New
Mexico
0.08
0.02
90
days
after
30 days
no
no
New
York
0.10
0.02
varies
yes
es
yes
North
Carolina
0.08
0.00
10
days
no
yes
yes
North
Dakota
0.10
0.02
91
days
after
30 days
yes
yes
Ohio
0.10
0.02
90
days
after
15 days
yes
yes
Oklahoma
0.10
0.00
180
days
yes
yes
no
Oregon
0.08
0.00
90
days
after
30 days
yes
no
Pennsylvania
0.10
0.02
n/a
n/a
no
yes
Rhode
Island
0.10
0.02
n/a
n/a
yes
yes
South
Carolina
none
n/a
n/a
n/a
no
yes
South
Dakota
0.10
n/a
n/a
n/a
no
no
Tennessee
0.10
0.02
n/a
n/a
yes
yes
Texas
0.10
0.00
60
days
yes
yes
yes
Utah
0.08
0.00
90
days
no
yes
no
Vermont
0.08
0.02
90
days
no
no
no
Virginia
0.08
0.02
7
days
no
yes
no
Washington
0.08
0.02
n/a
n/a
yes
yes
West
Virginia
0.10
0.02
6
months
after
30 days
yes
no
Wisconsin
0.10
0.02
6
months
yes
yes
yes
Wyoming
0.10
n/a
90
days
yes
no
no
Notes:
1. Laws
in Massachusetts and South Carolina aren’t per se laws. A
BAC of 0.10 percent in South Carolina and 0.08 percent in
Massachusetts is evidence of alcohol impairment but isn’t
illegal per se. In Delaware, the 0.02 percent BAC law for
young drivers isn’t a per se law.
2.
Special BAC for young drivers applies to people younger than
21 except in Wisconsin, where the age is 19.
3.
Information pertains to drivers in violation of the BAC defined
as illegal per se for all drivers, not the special BAC for young
drivers.
4.
Drivers usually must demonstrate special hardship to justify
restoring privileges during suspension, and then privileges
are often restricted.
5.
A multiple offender’s vehicle may be seized and disposed.
6.
An offender’s vehicle may be impounded or immobilized, the registration
may be suspended, or the license plates may be confiscated.
In New York, registration suspension applies only to offenders
younger than 21. In Montana, impoundment applies only to offenders
younger than 18.
7. In New York, administrative license suspension lasts until prosecution
is complete.
Source: Insurance Institute For Highway Safety

 

License #: 0E14648