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We know we are all not perfect! The reality is, as no one is perfect, we all make mistakes in life. The sad part is, sometimes those mistakes follow us around for a lifetime like a plague! This is true for the most part with alcohol. We drink it not knowing the dire consequences that may follow, especially when it leads us to making stupid decisions like driving a car while under the influence! Today, I want to discuss how having an accident with a DUI can affect your insurance coverage.

Essentially, there are two ways we can look at this situation. First, we can examine it from the perspective of the person already being issued a DUI.This is on their record and a some point after they would have unfortunately been involved in a motor-vehicular accident. Secondly, we can also look at it from the point of a person driving under the influence of alcohol, thereby meeting in an accident and seeking insurance coverage. In both cases, the chances of a person receiving accident coverage after making claims are indeed dismal.  

DUI drivers are considered more than high risk and it is even stated in some insurance policies that they do not offer coverage to such drivers. With the first scenario, after having a DUI record and still being able to have insurance coverage for one is a miracle! Secondly, in the case of an accident, the insurance company may mostly likely decide to only cover bodily injuries as opposed to vehicular damages.

With regards to the second scenario, there is a 99.9% chance that claims for such damages, that is, driving under the influence of alcohol thereby becoming involved in an accident would amount to all claims being reject ed. Furthermore, they might even decide to either suspend your insurance based on additional factors such as if it was your second or third accident, if you were at fault (most likely) or if you’re a high risk driver due to age, driving age etc.

All in all, it is best to stay clear of a DUI so as to not have to stand extra financial costs that an accident might concur. In cases where this is unavoidable, please take into consideration that the insurance company has the right to deny claims under such conditions as driving under the influence is a serious offence under the laws of the land.

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If you find yourself arrested for Driving Under the Influence of Alcohol (DUI) in the State of Arizona, and you have submitted to a breath, blood, or urine test, and the results of the test reveal a blood/breath alcohol result of .08% or higher, or you have refused these tests, you can expect to be involved in two separate legal proceedings.

A criminal proceeding in court A civil proceeding with the Department of Motor Vehicles (MVD) and the likely suspension of your driver license.

These two proceedings are mutually exclusive; the outcome of one will not affect the other. You could win both matters or lose both matters. How the MVD driver license hearing is handled is extremely important.

Your DUI arrest begins your criminal proceeding. The consequences of this — plea of guilty, or a verdict of guilty following a jury or bench trial — could result in mandatory jail time, fines, fees and assessments, supervised or unsupervised probation, as well as a criminal record. The civil proceeding is conducted before an administrative hearing officer at the MVD. This proceeding deals with a possible suspension of your driver’s license, or if from out of state, your privilege to drive in Arizona.  The arresting police officer will serve you with a “Notice of Suspension.” If you have been arrested in Arizona for DUI and you take a breath, blood or urine test, and the results measured a alcohol concentration of .08% or more within 2 hours of driving, or you refuse to take the blood, breath or other chemical test, the arresting police will serve you with a 90 day driver license suspension notice, or in the case of refusal, a 12 month driver license or driving privilege suspension. The police should give you two copies of this form.

If your test results indicate a result of .08% or higher, the police will seize your Arizona driver license, and issue you a temporary license which is valid for 15 days, or, if you request a hearing within the 15 day window, until the hearing is conducted and the outcome determined. Since the police confiscated your driver license, the yellow copy of the suspension notice is your temporary driver license.

If you are from out of state, the police cannot seize your driver license. They will serve you with a notice of suspension of your privilege to drive in Arizona. The suspension will take effect 15 days after service unless you request a hearing within the 15 days. If a hearing is requested, your privilege to drive in Arizona will not be suspended until the hearing is conducted and the outcome determined.

If you refused to take the breath, blood or urine test, the police will serve you a notice of a 12-month suspension of your driver license, or privilege to drive if you are from out of state. This suspension becomes effective 15 days from the date of service unless you request a hearing. If a hearing is requested your driver license or privilege to drive in Arizona will not be suspended until the hearing is conducted and the outcome determined. If your refused to take a breath, blood or urine test, it is likely that the police obtained a search warrant and obtained your blood anyway. If this is the case, your driver license or privilege to drive will still be suspended for 12 months even though the police obtained your blood through the use of a search warrant.

A request for hearing must be submitted in writing to the MVD. Generally, the pink copy of suspension form, furnished by the police, is used to request this hearing. It is important to fill out the information completely and accurately on the back of the pink form. You must check the box indicating you are requesting an Administrative Hearing and mail it, within 15 days of service to you by the police, to: Arizona Department of Transportation, Executive Hearing Office, Mail Drop 507M, P.O. Box 2100, Phoenix, AZ 85001-2100. Do not select Summary Review; this will not get you a hearing, but merely a review of the paperwork submitted by the police.

In the criminal case, if you plead guilty to the charge of DUI, or if you are found guilty, you will be sentenced in accordance within the present Arizona DUI sentencing guidelines. When the State receives notification of the verdict, your driver license will be suspended for 90 days. However, if you are a first offender, or you have had no DUI convictions within the past five years, and if you took the breath, blood or other required test, and if you have been found guilty in the criminal proceeding, or you feel that such a result is likely, then you may wish to agree to a suspension of your driver license prior to or at the MVD hearing.

Agreeing to the suspension will entitle you to a 60 day restricted driving permit following a 30 day suspension. The suspension is still classified as a 90 day suspension. To obtain the restricted driving permit, you must apply at a local MVD office following the first 30 days of the suspension.  Agreeing to the suspension will generally resolve the civil proceeding sooner and oftentimes well before the resolution of your Criminal matter in court. This is advantageous as you get the suspension over with sooner and under less onerous circumstances. Agreeing to the suspension will generally result in no further suspension of your driver license if you later plead or are found guilty of your DUI in court. In the case of a stipulated suspension from MVD, there will be no requirement that you post proof of Financial Responsibility before your Arizona driver license or privilege is reinstated. Agreeing to the suspension will allow you to select the day you want your suspension to begin, so long as the suspension start date is within 45 days of your MVD hearing date. This allows flexibility in arranging transportation to work or school during the initial 30 days of the suspension. NOTE: If you request a hearing and actually go through with it and lose, the only difference is that your will not be able to choose the day the suspension begins. You should still be eligible for the 30 day driver license suspension followed by the 60 day restricted driving permit.

If you agree to the suspension, you do not get a hearing with the administrative law judge. You do not get to challenge the police officers or contest the evidence in the civil hearing. Sometimes this hearing may be important to gather critical evidence in your DUI case. However, this decision should not be made without first discussing your DUI case and individual circumstances with an experienced DUI defense attorney.

If you have the Administrative Hearing and win, and later lose your DUI case, either through a plea or finding of guilty at trial, MVD will suspend your driver license for 90 consecutive days. There is no eligibility for a restricted driving permit following the first 30 days of the suspension.  Further, if you are convicted either through a plea or finding of guilty in court you will be required to provide proof of financial responsibility (insurance) for three years by filing with the State of Arizona either a $40,000 cash deposit, or Certificates of Deposit (CD’s) totaling $40,000 or a Certificate of Insurance (SR22). This Financial Responsibility requirement could have significant cost implications for you, depending upon your selection of acceptable Financial Responsibility filings and/or your insurance carrier’s underwriting requirements.

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There are a number of reasons why a person may have to get an SR22 insurance policy including too many speeding tickets, driving without insurance, excessive accumulation of points on one’s driver’s license, driving under the influence, and various other reasons.

Sooner or later the people that are required to have an SR22 filing with their local DMV before their license will be reinstated start hearing from friends, family, and doing some research on their own that SR22 insurance is going to be a lot more expensive than their insurance policy was before. The question is how much more expensive?

The average cost of an SR22 insurance policy is going to depend on the reason why your license was suspended or revoke for in the first place. If you are a DUI offender who has to get an SR22 to get your license back, the cost is going to depend on a number of factors including:

Was this a first, second, third, or more offense?
Was there an accident?
Did the accident result in injuries to any other person?

These are just a couple of examples of the items your insurance company is going to look at when quoting you a price on your SR22 insurance for a DUI offense. A standard first offense DUI offender should expect to pay between 3 and 5 times as much per month for their SR22 insurance as they were paying on their regular auto insurance rates. So if you were paying $50 a month for your car insurance before the DUI offense, you should expect to pay between $150 and $250 a month for the next 3-years following the reinstatement of your license following your suspension or revocation period.

If the DMV is requiring you to file an SR22 with them for something like too many speeding tickets. Even though your offense of too many speeding tickets is not as severe as someone who has to file an SR22 because of a DUI offense, the required filing period is still going to be 3-years.  So your relationship with your SR22 insurance is going to be for an extend period of time. Your SR22 insurance rates for something like too many speeding tickets will be lower than the rates for a DUI offense, but they will be at least 1 to 2 times or more than you are currently paying for your car insurance.

There are steps you can take to be sure that you are paying the least amount possible per month for your SR22 insurance. The first thing you need to do is to not assume that your current insurance provider is going to have the lowest rates possible for your SR22. Just because you may have been with this insurance company for years and they have always treated you fairly does not mean that will be the case when it comes to quoting you on an SR22 insurance policy, if they even offer SR22 insurance filings because not every insurance company does.

What you need to do is spend a little time researching your state DMV SR22 insurance filing requirements. Then get at least 3 to 5 quotes from the various insurance providers in your area that offer SR22 insurance filings then all you have to do is choose the policy with the lowest price, it’s that simple.

Each state has its own laws regarding SR22 insurance filing requirements, so it’s critical that you learn what must be done to file an SR22 in your state. For example, someone who is required to file SR22 insurance in Florida will have to follow a different set of rules then someone who is filing in Virginia.

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