Reader’s Question:

My brother got his second DUI offense here in Evanston, Illinois and we all hope he doesn’t get convicted again. In case that happens, how can he get car insurance after his two DUI’s?

Francesca

Evanston, IL

We all know and understand that a DUI is a very serious charge and you can jeopardize your own life and that of other people by drinking and driving. It may be hard for your brother to get a car insurance after being charged again with his second DUI in Evanston, Illinois, especially if he gets convicted. The first thing that he would have to do is get the SR22 form procedure completed by his insurance company. This is the official documentation required for him to reinstate his license and get his car registered at the local DMV.

You brother has to submit the SR22 insurance form to the local DMV but take note that his license would be put on probation for at least two years. His car insurance premium is going to be extremely high because he will most likely be termed as a ‘high risk driver.’ In case he’s having a hard time finding a car insurance company who would give him coverage, I advise him to try and get an online rate quote from this very website because it offers the best DUI insurance even for second offenses.

Tags: car insurance, DMV, DUI, DUI insurance, SR22 insurance

Reader’s Question:

I have so many friends here in Cicero, Illinois who often drive drunk and I’m just afraid they might get into an accident and face DUI. How would I approach someone I know who is too drunk to drive?

Dahlia

Cicero, IL

Approaching a friend who is trying to drive drunk is one of the hardest things to do. But you can definitely intervene to avoid an accident and a DUI charge in Cicero, Illinois. You can try the direct approach, but this would probably not work with a friend who is very drunk, but it won’t hurt to try. You can ask for your friend’s keys and offer to drive or call a cab. Sometimes it would just take someone pointing out the obvious for the person to admit the problem.

You may also offer a diversion by suggesting you grab a bite to eat before heading home. This would work best if there is a place to get food within walking distance, but if not, you can still offer to drive. The food that you eat could sober your friend up, or at least provide you more time to convince him not to drive home. You can also try to explain to your friend the penalties that would be involved if he will be caught drunk driving, such as fines, possible jail time, probation, etc. DUI can also have an adverse effect on his auto insurance as it will definitely go up. Worse, he might just have someone injured or killed and he could also probably kill himself if he gets into an accident caused by drunk driving.

Tags: auto insurance, DUI, DUI arrest, DUI lawyer, DUI penalties

Reader’s Question:

I got charged with DUI here in Aurora, Illinois and if I get cleared, will my car insurance rates still increase? If so, how can I avoid an increased rate on my car insurance?

Heriberto

Aurora, IL

Even if you get cleared for your DUI charge in Aurora, Illinois, your car insurance company could still increase your rates, just because you were arrested for DUI. It is actually their right to increase your car insurance rates for the DUI arrest, but it is also your right not to notify them unless you are actually convicted for DUI. To avoid increased car insurance rates, you have to retain a good DUI lawyer after your DUI arrest if you are able to afford one.

You should ask your DUI lawyer as soon as possible on how to avoid increased car insurance rates after a DUI conviction. The DUI lawyer could advise you on what to say to your insurance company and when you have to say it. You also have to understand that you would experience some level of increased car insurance rates unless your DUI case is dismissed. You also have to ask your DUI lawyer about DUI support groups in your area. You could not only gain some comfort by talking with others, but you could also get peer advice for finding good car insurance and coping with financial pressures caused by your DUI charge.

Tags: car insurance, DUI, DUI lawyer

Reader’s Question:

Is it true that my mom’s car insurance can be cancelled because of her DUI charge here in Des Plaines, Illinois?

Val

Des Plaines, IL

Most of the state laws regarding insurance specifically spell out the circumstances under which a car insurance company can cancel a policy. There are certain grounds for cancellation of car insurance and the most common are:

-you or a member of the household loses driving privileges during the policy period because of license expiration, suspension or revocation
-you fail to pay the premium on time
-you misrepresent material facts about your risk - which means your driving history, claims history or the number of people who have access to your vehicle.

In your mom’s DUI case in Des Plaines, Illinois, if her driver’s license is suspended or revoked, this can be a ground for the cancellation of her car insurance. This can be very inconvenient for her so if her car insurance gets cancelled, she needs to get another car insurance provider right away. Luckily, she can definitely get great car insurance from this website; all she needs to do is to enter her zip code to get an online rate quote.

Tags: car insurance, car insurance quotes, DUI, DUI insurance

Reader’s Question:

My cousin told me that he has a big problem about his car insurance rates because of his DUI conviction in Skokie, Illinois. Is it true that it will be largely affected because of his drunk driving conviction?

Malcolm

Skokie, IL

Your cousin’s drunk driving conviction in Skokie, Illinois could bring many negative consequences into his life. Aside from the legal consequences such as possible jail time, fines and a criminal record, he would also have higher insurance premiums. If he is currently insured, his car insurance provider would, of course, respond to this circumstance. What his car insurance company can exactly legally do would vary but his car insurance company may cancel or decline to renew his policy, restrict coverage provisions or, at a minimum, increase his premiums.

Although the amount of increase could greatly vary, his premiums could go up as much as 100 percent or more. How his car insurance provider reacts to his DUI could be worse if he has other strikes against him, such as traffic tickets, previous drunk driving convictions, late or unpaid insurance premiums, at-fault accidents or other negative history with the insurance company. He can obviously get free online rate quotes from various car insurance companies such as the ones available from this website.

Tags: car insurance rates, drunk driving insurance, DUI

Reader’s Question:

Recently I started filing my SR22 insurance policy in Arlington Heights, Illinois due to DUI. Is there anything I can do to appear less risky to an insurance company?

Robert

Arlington Heights, IL

You hit the nail on the head for what you have to do with your Arlington Heights, Illinois SR22. Risk is what is making you pay too much for your auto insurance coverage, and nothing else, so the best thing to do for people who do not want to pay more is to ease up on the risk factor. A lot of ways is out there for you to prove your responsibility with little to no effort.

One way to do is for you to sign up for a defensive driving course. You can call your Arlington Heights, Illinois SR22 auto insurance provider first to find out a list of defensive driving classes which count, because not all will and you do not want to waste your time. A defensive driving class is a good way to lower your risk, most especially if you have SR22 insurance policy due to DUI, because not only do you obtain an auto insurance discount, but you also learn a few things which assist you in the future.

Now, you can only use a defensive driving course to save you money if you are not mandated by the state to take it. If taking a defensive driving course is part of your required DUI recovery track from the court, then unfortunately this is not an option for you.

Tags: auto insurance, DUI insurance, sr22 insurance

Reader’s Question:

We are afraid but we are doing everything for my sister so that she won’t get convicted on her DUI case here in Elgin, Illinois. What could she be facing if she will be convicted?

Jake

Elgin, IL

There are a lot of consequences that could flow from your sister’s DUI case in Elgin, Illinois if she gets convicted. Loss of her driver’s license is the one on top of the list. She may also pay heavy fines, court costs and extensive administrative fees. She may also be on probation, serve time in jail state prison; her vehicle could be impounded or forfeited. She may also install an ignition interlock device on her car. She has to remember that DUI laws are strict, the prosecutors and the courts often act without mercy or discretion and the penalties are harsh.

Aside from the obvious legal consequences of dealing with the law enforcement, the courts, and the Department of Motor Vehicles (DMV), there are also practical consequences that often flow from a DUI arrest or conviction. DUI is a crime and a DUI conviction will give your sister a permanent “criminal” record. She can lose her job or be prevented certain future employment, especially if it is state job, law enforcement-associated or involves driving. A DUI conviction can also cause her insurance rates to skyrocket and insurance companies sometimes will cancel her coverage altogether. If that happens, your sister can definitely get an online rate quote for her car insurance from this website.

Tags: car insurance, drunk driving laws, DUI, DUI lawyer, DUI penalties

Reader’s Question:

The Miranda warnings are very popular statements of the police during an arrest and I don’t know what happens if they forget to say it during a DUI arrest. What if the officer fails to read me my rights if in case I get arrested for DUI here in Champaign, Illinois?

Laquita

Champaign, IL

There is often a common misconception about the failure of a police officer to read a person his/her Miranda rights (i.e., “You have the right to remain silent, you have a right to an attorney”) during a DUI arrest. Unfortunately, if you get arrested for DUI in Champaign, Illinois and the police officer failed to read you your Miranda rights, the DUI case will not be dismissed. These Miranda warnings would only affect the admissibility of statements made by a DUI suspect after he/she is arrested.

For example, if an individual is stopped over because his tail lights are not working and he tells the police officer, “I’m drunk as a skunk and I never should have been driving,” this could be used against the person because the person is not arrested or in custody. But if the individual is in handcuffs and, answering the police officer’s questions says, “I was drunk as a skunk and never should have been driving,” the police could not use this statement unless they have read the person his/her Miranda rights.

Tags: drunk driving laws, DUI, DUI arrest, DUI lawyer

Reader’s Question:

I have to admit that it’s not easy having a DUI charge here in Chicago, Illinois. How important is having a DUI lawyer to help me in my case?

Ray

Chicago, IL

You have to keep in mind that DUI is one of the few crimes that a person could be convicted solely on the opinion of the police officer. Even if most DUI offenses are classified as misdemeanors, the penalties for it are generally much more serious. If you choose to hire a DUI lawyer to help you in your DUI case in Chicago, Illinois, you need an experienced DUI lawyer to represent you in your DUI case to make sure that you get the best possible defense you can.

In hiring a DUI lawyer, there are certain things that you need to take note of to ensure that you get the best quality. The DUI lawyer should be up-to-date on the practices and guidelines in a DUI defense in Illinois. You need a lawyer who attends seminars presented by the National College for DUI Defense and have spent time learning advanced DUI Defense tactics from some of the leading DUI lawyers in the country. The DUI lawyer should also be willing to fight for your case not just a lawyer who will plead you out. Best of all, an experienced DUI lawyer is actually the one who could be able to save your job, driver’s license and freedom.

Tags: driver’s license, DUI, DUI lawyer

Reader’s Question:

Hi, I live in Bloomington, Illinois and my question is about the breath test that is used in a DUI investigation. What are the usual flaws that a breath testing machine has?

Elsie

Bloomington, IL

The breathalyzer or a breath testing machine used in Bloomington, Illinois, or anywhere in the state for that matter, operates using infrared analysis. Unfortunately, infrared analysis is prone to many flaws; so breathalyzer tests do not always provide accurate results.

The major flaw that infrared “breathalyzers” are prone to is specificity. The designers of the breathalyzer or the breath test machine understood this and attempted to diminish the chances of this flaw causing problems by using two wavelengths. The onboard computer coordinates sequencing and automatic calibration, which enables easy use and limits errors. Also, the software had the option to be calibrated to meet the requirements of various jurisdictions or agencies. The breath tube used by the breath test machine is detachable and has a concealed wire-wrapped antenna that is used to detect any radio frequency interference. The detector should be at near freezing; this must also be monitored by the computer.

Tags: breath test, DUI, DUI lawyer