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.
How to Get Cheapest SR22 Insurance
Q: How can I get the cheapest SR22 insurance if I usually use my employer’s vehicle?
A: If you spend a lot of time driving around in your employer’s vehicle and relatively little time in your own, then you may have a chance at some of the cheapest SR22 insurance coverage, though it will depend on circumstances. First of all, your employer’s vehicle–who holds the insurance on that? Who pays for it, you or the employer themselves? If your employer does, then you only have to consider your own car.
If you don’t drive your car too much, then it’s very possible that you can get the cheapest SR22 insurance by getting a low mileage discount on your policy. A low mileage discount is one of the most common among car insurance company discounts, and a company may have different requirements to hand it out than another company does. Still, they do often have something in common or close.
Usually, in order to get the cheapest SR22 insurance with a low mileage discount, you need to drive less than 10,000 miles in one year. In some cases, companies lower the limit to 5,000 miles, or to 40 miles each day.
How to Get Cheap SR22 Quote
Q: How can I get a cheap SR22 quote?
A: I think you should start working to get a cheap SR22 quote by pulling out your car insurance policy and a pencil, and going over it to see if everything you have on it is necessary. Sometimes we get a pack rat mentality with car insurance–I need everything, just in case. So you end up piling on rental car insurance, roadside assistance, and so on, when you might not need these things or may be able to get them free or cheap elsewhere.
Most importantly, review the coverage for your car itself. If you want to have a cheap SR22 quote, then you need the least amount of coverage possible. If you have a car worth less than $2000, then you could just keep only liability insurance on your car. You can cut it down to the absolute minimum or you can have higher liability amounts, but just drop full coverage.
If you have a friend who can give you rides places, live in a household with more than one car, or live near the bus route, you probably don’t need rental car reimbursement coverage and can take a few bucks a month off of your cheap SR22 quote by getting rid of it.
How to Get your Drivers License Back after DWI?
Q: How do I get my license back now that I need to file DWI SR22 insurance?
A: Well, the first obligation that you need to fulfill is to actually get DWI SR22 insurance. Call around to some car insurance companies, or ask your current company, and get quotes on SR22 insurance prices. Decide on your level of coverage and get your SR22 form signed and filed so that you can go to the Nebraska DMV and get your license back without trouble.
Now, when you get there, with your DWI SR22 insurance already set up, you’ll have to jump through a few hoops. It will be kind of like taking your driver’s test all over again. You’ll need to take and pass a written exam, and you’ll need to go through a driving test as well. Another thing you will need to do is take a test for your vision to make sure you’re seeing right. Finally, you have to pay the reinstatement fees.
For the first time, your reinstatement fee will only be $50, but remember that you need to keep your SR22 on file or you will have to pay this over and over and over again.
How to Get Low Cost SR22
Q: How can I get low cost SR22 on an expensive car?
A: You can manage low cost SR22 insurance on an expensive car if you are willing to protect it from theft. You should do this with increasing levels of protection. Some will save you money with discounts, and other by virtue of simply avoiding claims.
First of all, be smart. Park your car under the light and in areas where there are a lot of people. Avoid going to the store at nightime, or at least late at night when there aren’t many shoppers. Park closer to the store.
Get some alarms which make nows, get a collar for your steeling column, put locks on your brakes and wheels. Devices such as these won’t get you discounts, but they do work well in combination with othr devices.
Get a device for your car which will save you money on low cost SR22 through a discount, such as a disabling device which cuts off the fuse, or a smart key.
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
