California, New York, and Florida have the highest number of licensed drivers in the nation, while New York sits comfortably at number 4 on the list. So how does one of the nation’s highest populations keep the number of driver’s on the road so low? For starters, New York has an excellent public transportation system. Most residents (roughly 8.2 million of them) find that it’s easier to navigate the highways, bridges and boroughs by bus, train, or taxicab. This, along with congestion on the roads, decreases the demand and desire to own a vehicle. Although many New York residents prefer public transportation or other alternative forms of transportation, there are still 11.3 million licensed drivers in the state. For these individuals, certain laws exist to help keep them safe on the roads.

Although effective, New York driving laws are pretty cut and dry. Driving without auto insurance is against the law, driving while under the influence is against the law, and texting teens will have to pay a handsome fine for each offense. According to autoinsurancetips.com, New York auto insurance laws state that all drivers must carry minimum auto liability insurance of ,000/,000 for bodily injury, ,000/,000 uninsured/underinsured (UM/UIM) motorist bodily injury, ,000 for property damage, and ,000 personal injury protection (PIP). New York drivers cannot register any vehicle without proof of insurance. Driving without minimum auto liability insurance in the state of New York will result in license suspension, revoked vehicle registration, and a ticket. In addition, the vehicle may be impounded.

When it comes to New York DUI laws, the state operates under an “implied consent” law. New York’s implied consent law is simple: if you drive on a New York roadway, you automatically consent to a chemical, blood, breath, or urine test upon request. So, if a police officer suspects that a driver is under the influence, he has the right to administer a blood, breath, chemical, urine test. If caught driving under the influence, adults with a blood alcohol concentration level (BAC) of 0.08% or higher could face fines, jail time, and penalties.

New York teens are not exempt from the states DUI laws and the penalties are severe for non-compliance. If you are a teen and you get caught driving with a BAC of 0.02%, you could lose your license until the age of 21. Most New York teens would not risk their lives or their license by drinking and driving. For starters, it’s tough for teens to obtain a license in the state of New York. Teens must graduate through three levels if licensing before obtaining an unrestricted license. New York’s Graduated Driver Licensing (GDL) program sends teens through a learner’s license phase, an intermediate license phase, unrestricted license phase, and full unrestricted license. All licenses (except full unrestricted licenses) carry passenger and nighttime driving restrictions.

On November 1, 2009 New York’s texting while driving law went into effect. It is now against the law for adults and teens to text while driving. Non-compliance with the law will cost drivers a cool 0 per ticket. Unfortunately, New York’s hands-free cell phone law is treated as a secondary offense, meaning, the officer must stop the driver for another traffic violation in order to issue a citation for violating the cell-phone law.

New York Auto Insurance – Auto Insurance Tips

http://www.nydmv.state.ny.us/ – NY State Department of Motor Vehicles

New York DUI Laws – Auto Insurance Tips

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DUI insurance

Question by Joseph: What is the cheapest DUI insurance in california for a male when i become 18?
I just want liability for other drivers and i will get a crappy car so i dont need coverage for it.
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I am 17 now. Am i able to get insurance if i don’t have someone 18 or older sign for it? any ideas? Thank you

Best answer:

Answer by Rick M
An SR-22 isn’t a type of insurance coverage, but rather proof that you have insurance.
It is notification from your insurance company to the DMV that you have auto liability insurance in effect in the State of California which satisfies the minimum insurance coverage required by the State.

This insurance notification is typically required by the State for 3 years from the date the original suspension would have ended which can be determined, e.g., by adding 4 months from the date you were given the “pink” temporary license (assuming you are a first offender without a refusal of the chemical test).

If your policy lapses for any reason (miss a payment, get cancelled) the insurance carrier is REQUIRED to notify the DMV who is supposed to then notify you that you will have to file another SR-22 with them by a certain date or your license will be suspended. This form, typically filed electronically, is the only form the The Department of Motor Vehicles will accept. They will not accept any other form as a substitute for the SR-22.

When is the SR 22 required?
This will be required by you if:

(1) you were arrested for a DUI and;
(2) you have your license suspended or restricted and/or;
(3) if you are required to take a DUI program and;
(4) you want to get a restricted license.

To get a restricted license, you have to do 3 things:
(Not immediately – only if you lose your DMV hearing or get convicted in Court)

(1) Pay DMV re-issue fee(s).
(2) Provide DMV proof of financial responsibility (SR-22).
(3) Provide DMV proof of enrollment in approved DUI program.

Insurance minimums in California:
For private passenger vehicles per accident: $ 15,000 for injury/death to one person.
$ 30,000 for injury/death to more than one person.
$ 5,000 for damage to property.

Moving to Another State:
If you currently have an SR-22 and want to move to another state you must maintain the SR-22 like you still live in California – even though you no longer reside here. Also, your insurance policy for the new state must have liability minimums required by law in California. This applies even if you move to one of the states that does not have SR-22 insurance: Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.

Already convicted and need a license?
First, make sure you are eligible for at least a restricted license by calling the California DMV at 1 (800) 777-0133. Then follow the steps above.

Other related information:
If you insurance company cancels your insurance because of your conviction, you will receive a notice indicating that your vehicle registration will be suspended if new insurance information is not submitted within 45 days.

Already agreed to enter a guilty plea or didn’t request a DMV hearing?
If you think you are going to be convicted, make sure you contact an insurance broker BEFORE the conviction appears on your record. A skilled insurance broker can often times save you from being cancelled or having your insurances rates double (typical through State Farm for example) once a DUI conviction appears on your record.

Additionally, you should know that although your SR 22 can be filed electronically you should be able to get an original from your insurance company and hand deliver it to the DMV so that you don’t have to wait for the clerks in Sacramento to do their job – which they do slowly.

I recommend calling John MacDonald at 1 800 346 7370 for all of your insurance needs. John MacDonald Insurance

Or, Generally, How to Downshift Your Insurance Costs with Smarter, Cheaper Coverage

1) Nab Discounts

Most insurers offer price cuts for such things as:
- having anti-lock brakes;
- having been accident-free;
- having taken a defensive-driving course;
- using the same insurer for your home policy.

(For more info., visit the auto insurance checklist at http://iii.org/individuals/auto .)

These can take up to 25% off your premium. But your insurer usually will not come to you with them so you have to call the company and find out what the discounts are.

2) Raise your deductible.

The point of vehicle insurance is to protect you from catastrophic costs (your emergency fund should cover stuff like dents and broken windows). Raise your deductible from say $ 200 to $ 1,000 and you could save more than 40% on premiums, according to the Insurance Information Institute.

3) Prune coverage on old vehicles.

Once your vehicle is worth less than 10 times what you pay each year to insure it, get rid of the comprehensive and collision. Find your vehicle’s estimated worth at www.kbb.com.

4) Dig up competing quotes.

This is the most work but could have the greatest payoff. Go to www.naic.org to find your state insurance commission website, where you can download a vehicle insurance buying guide.

Pick the example closest to you and the 5 insurers with the lowest rates. Call them for quo

Add your own answer in the comments!

Tags: Auto, Drivers, Driving, Guide, Insurance, Laws, York