I was recently convicted of a DUI in Virginia, where I live, and will have a restricted license for one year. My auto policy already exceeds the mandatory requirements set forth on the FR-44 form. Do I still need to inform my insurance company or can I present the DMV with proof of my current policy? I am trying to avoid having my premiums raised or my policy cancelled, of course.

The Virginia Department of Motor Vehicles (DMV) should inform you if in your particular case you are required to file the FR-44 or not. Since were convicted of a DUI and are now applying for a restricted license normally a FR-44 would be required, even if you had these higher …

How long does DUI affect insurance rates in New York? Does New York require an SR-22?

According to the New York State Department of Motor Vehicles  a conviction that is alcohol-related or drug-related (for example, DWI or DWAI) remains on a driver record for exactly 10 years. If a driver is convicted of the same violation during those 10 years, the driver can …

What is the law in VA for parking a car in your driveway without registered tags?

To the best of our knowledge Virginia does not have a law covering this situation but cities and counties tend to have their own ordinances regarding cars that are without registration not being allowed to be parked in your driveway if it can be seen from the roadway or neighb…

I was driving within the speed limit and swerved to avoid a Christmas tree in the road that had fallen off someones car. My vehicle fishtailed then I did a 360 and it turned over on its side, not hitting anything. It was totalled. There was a witness and the Christmas tree was documented in the police report. My insurance company charged it to my collision coverage. Could it be covered under comprehensive instead?

Definitions of what is considered a Collision or Comprehensive claim can vary from one insurance company to another but since your vehicle turned on its side this would normally be considered a Collision claim with most insurers, including your own it would seem. With auto ins…

Please explain the auto bodily injury limits of 100/300.

At first it can be confusing learning to read limits for Bodily Injury Liability since there are 2 sets of numbers such as 100/300. The first number is the maximum coverage for Bodily Injury Liability for one person injured in an accident (in thousands). The second number …

Please explain the auto bodily injury limits of 100/300.

At first it can be confusing learning to read limits for Bodily Injury Liability since there are 2 sets of numbers such as 100/300. The first number is the maximum coverage for Bodily Injury Liability for one person injured in an accident (in thousands). The second number …

What Florida laws restrict or prevents the use of a Blackberry of electronic device while driving?

As of June 2008 we are not aware of any legislation in Florida that has yet passed either banned the use of cellular phones while driving or a ban texting while driving. The Florida Highway Department of Safety and Motor Vehicles (HSMV) notes that the issue of driver d…

What Florida laws restrict or prevents the use of a Blackberry of electronic device while driving?

As of June 2008 we are not aware of any legislation in Florida that has yet passed either banned the use of cellular phones while driving or a ban texting while driving. The Florida Highway Department of Safety and Motor Vehicles (HSMV) notes that the issue of driver d…

Can I drive to school with just a permit by myself?

State laws vary, however, we are not aware of a state that allows you to drive by yourself, even to school , when you are only in the learner or instructional permit stage of the licensing process. The permit typically allows you to only drive with a passenger in the front…

Can I drive to school with just a permit by myself?

State laws vary, however, we are not aware of a state that allows you to drive by yourself, even to school , when you are only in the learner or instructional permit stage of the licensing process. The permit typically allows you to only drive with a passenger in the front…