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Tickets and DUIs guides
Accident forgiveness explainedAccident forgiveness stops your premium rising after a first at-fault accident. How GEICO, Progressive, Allstate, Liberty Mutual and others offer it.Assigned risk plans: insurance of last resortHow state assigned risk plans and other residual market programs insure drivers no company will take, who qualifies, what it costs and how to apply.Your CLUE report and motor vehicle record explainedInsurers check your claims history (CLUE) and state driving record (MVR) before pricing a policy. What each holds, how to get them and fix errors.Car insurance after a DUIWhat a DUI does to your car insurance: surcharges, possible nonrenewal, SR-22 or FR-44 filings, how long it counts, and how to stay insured.FR-44 insurance in Florida and VirginiaFR-44 filings prove higher liability limits after a DUI in Florida (100/300/50 for three years) and Virginia (double the minimums), unlike an SR-22.High-risk car insurance: options when insurers say noWhat makes a driver high risk, the three places to find coverage after a refusal (standard, nonstandard, the state plan), and how to get back to normal rates.How a speeding ticket affects your car insuranceWhen a speeding ticket raises your premium, how large and long-lasting the surcharge can be, state examples, and your options before you pay.How long accidents and tickets affect your ratesAccidents and tickets run on three clocks: your state driving record, claims databases that keep up to seven years, and the insurer's look-back period.Points on your license and your insuranceDMV license points and insurance surcharges are separate systems. How each works, with state examples, and what point reduction courses do and don't fix.Non-owner car insurance: who needs it and how it worksNon-owner car insurance gives drivers without a car their own liability coverage. Learn who needs it, what it covers and excludes, and how it handles an SR-22.Nonstandard auto insurers: who they serve and what to watchNonstandard auto insurers cover drivers with violations, lapses, SR-22s or thin credit. The main companies, how policies differ and what to check.Penalties for driving without insuranceWhat happens if you drive uninsured: fines, suspensions, impoundment and SR-22 filings by state, plus the bigger cost of an uninsured crash and how to recover.SR-22 insurance explainedAn SR-22 is a certificate your insurer files to prove you carry required liability coverage: who needs one, how long it lasts and what a lapse does.