When people discuss car insurance the term high-risk driver often comes up. But most people misunderstand what a high-risk driver is and what it entails. Sometimes a high-driver is a comparison between drivers due to factors that determine rates. Other times the labels used for people who have a history of car accidents, traffic violations …
Cell phone use can feel addictive for some people to the point where they must check it often. In fact, cell-phone use addiction has been well documented over the past decade, and there is even a quiz to test your addiction level. A major issue that arises from cell phone use and addiction is distracted …
You take several risks when attempting to drink and drive. The obvious ones include loss of life, jail time, fines, and Sr-22 insurance. But what about the hidden costs and risks of driving under the influence of drugs or alcohol. Permanent records, job loss, and litigation fees may not be the first thing that comes …
In the unfortunate case that you are required to carry Sr-22 insurance, there are ways to help the process run smoothly. A typical Sr-22 requirement will last about 3 years, and in that time you must maintain insurance coverage and drive safely. Although three years is a long time, it’s important that you satisfy the …
Illinois is one step closer to becoming yet another state to make recreational marijuana use legal. The bill to legalize weed now only needs the signature of Governor Pritzker, but this legislation does not change DUI enforcement. Some people may not be aware, but driving high will get you a DUI. Dangers Just like alcohol, …
Driving under the influence is dangerous for a number of reasons. Not only can drunk driving lead to a serious accident; it may end with a conviction. In Illinois, one of the harshest states for DUI convictions, a single conviction can result in license suspension for one year. If it occurs again the penalties only increase, …
Rain presents problems for even the most skilled drivers. Not only does in obstruct vision, but it can make controlling your vehicle difficult. Undoublty, we have all experienced hydroplaning, when your vehicle is no longer catching the road due to water causing a loss of control. It can be a small recoverable slip and sometimes …
Even if drivers are not considered high-risk or do not own a car, it is important to have some form of insurance. A non-owner policy helps avoid higher insurance rates in the future. Insurance companies that see gaps in insurance coverage will charge higher premiums. People that benefit from non-owner policies are people who frequently borrow …
You do not need a valid driver’s license to file an SR22. High-risk drivers are able to file an SR22 without a valid driver’s license. SR22 providers understand that in some cases, proof of insurance is needed in order for a license to be valid. Your SR22 provider will start your high-risk car insurance policy. However, …
Young drivers are responsible for more accidents than any other age group. This makes teen drivers a bigger risk for insurance companies and it also makes their car insurance rates higher. Teens are considered high-risk drivers for: No driving experience Drivers with little to no experience will have a more difficult time recognizing and handling …
Ridesharing using companies like Uber is a popular way to make extra money. However, Uber requires background checks on every driver. If you were convicted of serious traffic violations, you may not qualify to drive for Uber. Can You Drive for Uber if You Have A Bad Driving Record? When people apply to become an Uber driver, the …
SR-22 insurance is required for an average of three years. While you are considered a “high-risk driver,” this does not mean you should have to overpay for car insurance coverage. Here are three easy ways to save on your SR-22 insurance: 1. Increase the deductible The deductible is the amount of money the policyholder is responsible …
SR-22 insurance in Illinois must be renewed at least 45 days in advance to avoid any suspensions. If the car insurance agency does not receive a renewal 15 days before the SR22 expires, they are required by law to inform the Secretary of State’s office. When you receive your renewal letter from your SR22 insurance …
Driving without insurance is a serious offense. If people drive without insurance, their driver’s license will be suspended and they will face several other fines and penalties. The penalties increase based on the number of offenses. Fines In Illinois, drivers must have an active car insurance policy and carry proof of insurance in their cars. …
If your blood-alcohol concentration (BAC) is 0.08 percent or higher, it is illegal to drive in the state of Illinois. Those that do will be charged with a DUI. With Illinois’s implied consent law, all drivers give consent to breathalyzers and blood and urine tests. However, police officers need a reason to believe that he or she …
