Buying Private Truck Insurance After DUI
Reader’s Question:
My son received 2 DUIs in less than a year, the recent DUI will be three years old this December. Will he be able to purchase private truck insurance? I live in Lincoln, Nebraska?
Gary
Lincoln, NE
Driving while impaired is a major offense in Nebraska. The penalties for a second offense may include between thirty days days and six months in jail, a $500 fine and a 1 year license revocation or suspension.
Additionally, for each DUI offense it is 6 points against your driver’s license. Convictions stay on your driving record for 5 years in Nebraska. If you accumulate 12 points in a two year period, your driver’s license is automatically revoked as well.
If your son has finished with the penalties he received for his DUIs and has had his driver’s license reinstated he should be able to get insurance for a private passenger car or truck. However, he might be regarded as a high risk by insurance providers due to his driving record.
Can my Driving Privileges Be Suspended Without a Drivers License
Reader’s Question:
I got pulled over in the state of Michigan and I didnt have a driver’s license so the police officer instead got my SSN. Is it possible to suspend my driving privilege even if I do not have a license?
Elle
Thank you for asking Elle.
Michigan and Nebraska are both members of the Drivers License Compact (DLC) and Non-Resident Violators Compact (NRVC). This means that the DLC requires member states to report traffic tickets back to the state you are licensed in, in this case the state which you would be licensed in if you applied and received a driver’s license.
The NRVC requires member states to revoke or suspend the driver’s license of drivers that receive traffic tickets while out of state and fail to pay them or otherwise comply with the conviction. It looks like it is under the NRVC that MI courts informed the NE Department of Motor Vehicles of your failure to pay for the speeding ticket and any other citation you received while in Michigan.
Even though you dont have a driver’s license you can be issued tickets, have a driving record and get your driving privileges suspended. Suspending your license in this instance likely means not allow you to apply or be issued a driver’s license until you take care of the outstanding tickets.
To make sure what you need to do in both Michigan and Nebraska to take care of this issue you will need to contact the court listed on your MI citation and the NE DMV.
Goodluck!
MariCAR
Speeding Tickets from Out of State
Reader’s Question:
I live in CO and I got speeding ticket in Nebraska. Will this be transferred to my Colorado license? Will they be able to know?
Will
Thank you for asking Will.
Nebraska and Colorado are both members of the Drivers License Compact (DLC). Your home state of CO will be notified of your NE speeding ticket. The Colorado statute CRS 24-60-1101 talks about the DLC.
According to this Colorado Revised Statute the licensing authority of a party state shall report each moving violations and conviction of a person from another state back to the home state of the licensee. The report needs to include a description of the violation as well as what action was taken.
When the Colorado DMV receives this out of state violation conviction information, they will decide what to do with it. They have the right to give such effect to the offense as if it occurred in the home state.
It appears if it is a major offense, such as drunk driving, that CO does regard the violation as if it happened in state and thus it incurs penalties. Your car insurance rates may be affected once they place the offense in your driving record and your insurance company will see the offense the next time they pull your MVR.
Goodluck!
MariCAR
Should my Teen Get His Own Car Insurance Policy
Reader’s Question:
My son drives to school with a school permit and we dont have him in our policy. He is only 15 years old. Should he get an insurance? Is it required? We live in Nebraska.
Jenny
Thank you for asking Jenny.
You should verify with your insurance provider to see if your son is required to be placed on the insurance policy or not with a school permit. Insurance company guidelines can differ. Some insurance companies will allow you to wait until your son has a full driver’s license.
According to the NE DMV site in a School Permit (SCP) authorizes the holder to drive a motor vehicle, moped or motorcycle to and from where he or she attends school by the most direct and accessible route by the nearest highway from his or her place of residence if such person lives a distance of one and half miles or more from such school and either resides outside a city of the metropolitan, primary or first class (5,000 or more people) or attends a school which is outside a city of the metropolitan, primary, or first class (5,000 or more people).
In addition to that, the DMV website goes on to state that a school permit shall be used for the purpose of transporting such person or any family member who resides with such person to attend duly scheduled courses of instructions and extracurricular or school related activities at the school, and the holder of the permit may drive under the personal supervision of a licensed driver who is at least 21 years old. To obtain a SCP one must have held a learner’s permit (LPE) for 2 months prior to applying for SCP and be a minimum age of 14 years and 2 months.
Goodluck!
MariCAR
Speeding Ticket in Your Driving Record
Reader’s Question:
I got a speeding ticket three years ago and my mom is looking for a car insurance for me. Will she be able to see it? Is it still in my record? I live in Nebraska.
Michelle
Thank you for asking Michelle.
One, two or three points are assessed in Nebraska for speeding tickets based on number of miles per hour over the posted speed limit you were going and the type of road you were on. The 3 categories for roads are business & residential, country road / state highways and interstate highways.
When you are convicted of a traffic violation ,the NE Department of Motor Vehicles assigns points to your driving record. These points no longer count 2 years from the date of the conviction but will remain on your driving record for 5 years.
So the speeding ticket from 3 years ago would still be on your driving record. When a car insurance application requests information on violations you have received in the past you or your father will need to list this speeding ticket.
Goodluck!
MariCAR
Do I Need an SR22 After Drunk Driving Conviction
Reader’s Question:
Do I need an sr22 after suspension period following a DUI conviction? I live in Nebraska.The DMV only mentioned the reinstatement fee.
Marlen
Thank you for asking Marlen.
You will need to check with the Nebraska Department of Motor Vehicles to find out for certain if the SR-22 is required in your situation or not.
The NE DMV online states that if you have been suspended/revoked as a result of a court conviction, accumulation of points or some other administrative action you may be required to prove to the State of Nebraska that all vehicles (car, pickup, van, motorcycle, etc.) you own are insured.
In addition to that the NE DMV states that your insurance coverage and the SR-22 filing must be in effect on the date you meet the requirements to reinstate your operating privileges and you must maintain the filing as indicated by the state.
It looks like that it depends upon who suspended or revoked your license will help to determine if you will be required to file a SR-22 to reinstate your license in the state of Nebraska. You may contact the NE DMV to make certain for your specific type of suspension and reinstatement if your need to obtain insurance with a SR-22 filing or not.
Goodluck!
MariCAR
Do I Need Full Coverage for a Leased Car
Reader’s Question:
Am I required to have comprehensive and collision insurance if Im financing my car? I live in Nebraska.
Tanya
Thank you for asking Tanya.
Nebraska law requires all registered motor vehicles (autos) to maintain proof of financial responsibility (insurance).
According to the Nebraska Revised Statute 60-346 proof of financial responsibility stating that it means evidence of ability to respond in damages for liability, on account of accidents occurring subsequent to the effective date of such proof, arising out of the ownership, maintenance, or use of a motor vehicle, (1) in the amount of twenty-five thousand dollars ($25,000) because of bodily injury to or death of one person in any one accident, (2) subject to such limit for one person, in the amount of fifty thousand dollars ($50,000) because of bodily injury to or death of two or more persons in any one accident, and (3) in the amount of twenty-five thousand dollars ($25,000) because of injury to or destruction of property of others in any one accident. This is usually referred to as 25/50/25.
It is not a state law that requires you to keep physical damage coverages of collision and comprehensive on a financed vehicle but instead it typically is the lien holder that mandates these coverages be placed and maintained on the vehicle.
The leasing or loan company wants their asset, the car, to be properly covered with these physical damage coverages. If you choose to not place the types of insurance that your financing company requires they can place “forced” insurance on it or may even be able to take the vehicle back.
Goodluck!
MariCAR
Will I Get a Drivers License Even with Unpaid Tickets?
Reader’s Question:
Im planning to move in CA but I still have unpaid tickets in NE. Will I be able to get a license in CA if I ignore those tickets?
Jason
Thank you for asking Jason.
The California Department of Motor Vehicles states that if you are a visitor in California over 18 and have a valid driver license from your home state or country, you may drive in this state without getting a California driver license as long as your home state license remains valid. This means that you wont be able to drive in California since you dont have a valid drivers license in your home state.
Your suspension will be listed on the National Driver Register (NDR) and the Problem Driver Pointer System (PDPS). In fact all states check the Problem Driver Pointer System and/or National Driver Register to see if a driver’s license applicant is listed.
So your suspension in Nebraska for unpaid tickets would not allow you to get a California license but you may contact CA DMV to find out for certain. You will likely need to find out how to get these tickets paid and your NE driver’s license reinstated in able to apply for a CA driver’s license.
The unpaid tickets may not affect your insurance at this point, that is until you pay the tickets and are convicted of the violations on the tickets, but your license suspension will probably affect your insurance rates.
Goodluck!
MariCAR
Who Pays for Car Insurance Claim?
Reader’s Question:
My cousin was driving my parents car and bump the car to somebody else’s car. Even though there was no damage done to the other car,the other driver is claiming she might have injury. Whos insurance company will pay for it? My cousin lives in Michigan and the accident happened in Nebraska.
Danielle
Thank you for asking Danielle.
Since the accident happened in Nebraska and that the party your cousin hit is insured in Nebraska. Nebraska is NOT a ‘no -fault’ state, this means that the no-fault system is intended to lower the cost of car insurance by taking small claims out of the courts. Each auto insurance providers compensates its own policyholders for the cost of minor injuries regardless of who was at fault in the accident. These ‘first-party’ benefits, vary by state with no-fault systems. A policyholder receives compensation for medical fees, lost wages, funeral costs and other out-of-pocket expenses from those states with the most comprehensive benefits . Since Nebraska does not follow the ‘no-fault’ system, your parents may be liable for this person’s injuries. Your parents should notify their insurance company of this loss. A licensed claims adjuster will be able to offer additional advice.
Goodluck!
MariCAR
Will my Drivers License Work in Another State?
Reader’s Question:
I just want to know if my license will work in another state like KS. I live in NE. Thanks.
Alfred
Thank you for asking Alfred.
If you have a valid driver’s license issued to you in the state of Nebraska it should be valid for you to use in Kansas and be able to operate a vehicle in KS.
The KS Highway Patrol states that the state of Kansas generally recognizes non-resident drivers’ licenses issued by other states and countries. State law specifies that non-resident drivers must be at least 16 years old. This means that, your 15-year-old cannot operate a motor vehicle in Kansas.
New Kansas residents are required to obtain a Kansas driver’s license and vehicle registration within 90 days of establishing residency . If you have a valid out of state license and have moved to Kansas to get a KS driver’s license you must:
* Present acceptable proof of identity
* Not be canceled, suspended or revoked in any state
* Pass a vision examination
* Pay applicable fees
You may contact the Kansas Motor Vehicles division of their Department of Revenue can give you more information on driving in KS with an out of state driver’s license.
Goodluck!
MariCAR
