What kind of car insurance is required in New Orleans, Louisiana?

Louisiana requires all of its drivers to have a car insurance policy to maintain financial responsibility when operating a vehicle. Their insurance laws aren’t very different from other states but do have some unique nuances that you should be aware, specifically their penalties for driving without insurance. Auto insurance is an absolute necessity, otherwise, you could lose your vehicle and drivers license. This is why driving schools stress to students the importance of being insured before driving. Visit this site for more info on programs for new drivers. 

Louisiana follows a tort system. This means that a driver must always be found at fault for causing an accident and is then required to pay for incurred damages. The specifics can vary from each state.

 Required Coverage

All personal vehicles in Louisiana require the following liability coverage requirements:

• Bodily Injury
• Property Damage

Minimum Louisiana Car Insurance Requirements
Bodily Injury Liability		$15,000 / $30,000 Limit
Property Damage Liability		$25,000 Limit

Additional insurance coverage can include:

• Comprehensive and Collision Coverage
• Uninsured / Underinsured Motorist Bodily Injury Coverage

Collision insurance pays for the expenses to repair or replace your vehicle after it’s been involved in an accident. Comprehensive covers you if your vehicle has had non-collision damage from incidents such as a flood or fire. It also covers you if your vehicle has been stolen and if it’s listed as one of the most stolen vehicles in Louisiana, you’d be wise to invest in this coverage. But it’s best to just always drive safely and attentively to avoid your costs increasing dramatically. This especially an issue with new drivers with rates already being higher than for all other drivers. Learn more about driver safety for new drivers at One Direction Driving. 

Underinsured or uninsured insurance will help pay for expenses in the event that the at fault party doesn’t have enough coverage to pay for all the damages or if they don’t have any insurance whatsoever. Louisiana requires its drivers to maintain car insurance but the limits aren’t always high enough to cover the expenses making this worthwhile insurance to add to your policy.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

• Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

• Copy of your insurance ID card
• Copy of your insurance policy or binder
• Copy of your declaration page
• A written statement on company letterhead from your insurer signed by an agent and including all pertinent policy information

You must maintain proof of insurance and financial responsibility:

• When asked by a police officer
• After an accident
• Anytime you drive your vehicle

Failure to Maintain Financial Responsibility Penalties

If you are not able to show proof of insurance, you can face the following penalties:

• Loss of your license plates, impoundment of your vehicle and loss of registration (This can happen immediately if you are caught driving without insurance)
• If you can’t show proof of insurance after being flagged for no insurance, your license and registration can be suspended by the Office of Motor Vehicles and you face the following reinstatement fees depending on how many days have passed since the suspension:
  • 11 – 30 days: $50
  • 31 – 90 days: $125
  • 91+ days: $225

Source – www.usinsuranceagents.com

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from One Direction Driving http://www.onedirectiondriving.com/kind-car-insurance-required-new-orleans-louisiana/

What are the penalties for drunk driving in South Carolina?

South Carolina DUI law section 56-5-2930 states that it is against the law for any person to drive a motor vehicle in the state of South Carolina while they are under the influence of alcohol or drugs with a blood alcohol concentration level of .08% or greater.

It is not necessary for a person who has been stopped on suspicion of driving under the influence to display the signs one would typically associate with someone who is under the influence.  Just the fact that a chemical test shows a blood alcohol concentration level of .08% or greater will get you arrested for DUI in South Carolina.

It should also be noted that a person could still be arrested for driving under the influence in South Carolina even if their blood alcohol concentration level is below the legal limit of .08% just by displaying signs that are consistent with a person who is under the influence of alcohol or drugs.

 

When an officer stops someone on suspicion of DUI in South Carolina, the officer is already starting to build a case against that person by observing their driving patterns prior to initiating the DUI stop.  If the officer has established reasonable grounds and suspects that someone is under the influence, the officer is going to request that the individual perform some field sobriety test (it is not required by law that you submit to the field sobriety tests. If an officer asks you to take the field sobriety test, just kindly refuse his request).

The officer is then going to request that you submit to a chemical test.  Submitting to a chemical test is required by the South Carolina Implied consent law section 56-5-2950.  If a driver refuses to submit to a chemical test, the officer must inform the driver of the penalties for test refusal and then ask the driver a second time if he or she will submit to a chemical test.  Refusal to submit to a chemical test will result in a minimum 6-month license suspension.

Upon being arrested for driving under the influence in South Carolina, the arresting officer will confiscate your driver’s license and issue you a “Notice of Suspension” that advises you of your right to an administrative hearing and to obtain a temporary alcohol license.

 Within 30 days from the date of the arrest, you must obtain a temporary alcohol license from the DMV that will enable you to drive unrestricted pending the outcome of your administrative hearing regarding the suspension of your license.

If you fail to request an administrative hearing within 30 days of your arrest, the suspension of your license will be upheld and you will not be able to request an administrative hearing after this time.  It should be noted that the administrative hearing process can be tricky and it really requires the skills of a South Carolina DUI lawyer who has experience when it comes to representing clients at an administrative hearing to have a successful outcome to the hearing. The best option is to just avoid driving under the influence altogether. Learn more about driver safety and education at One Direction Driving. 

South Carolina First Offense DUI

A South Carolina first offense DUI conviction carries the following penalties:

Jail time: A first offense conviction with a BAC of .08% – .10% will result in a minimum jail sentence of 48 hours up to a maximum of 30 days.  In lieu of the minimum jail sentence the court may allow you to serve 48 hours of community service instead. A first offense conviction with a BAC of .10% – .16% will result in a minimum jail sentence of 72 hours up to a maximum of 30 days.  In lieu of the minimum jail sentence the court may allow you to serve 72 hours of community service instead. A first offense conviction with a BAC of .16% or greater will result in a minimum jail sentence of 30 days up to a maximum of 90 days.  In lieu of the minimum jail sentence the court may allow you to serve 30 days of community service instead.
Community service: If you are granted community service the term of service will be anywhere from 2 – 30 days depending on your BAC level at time of arrest.
Fines: A first offense with a BAC of .08% – .10% will result in a fine of up to $400 plus court costs.  A first offense with a BAC of .10% – .16% will result in a fine of up to $500 plus court costs.  A first offense with a BAC of .16% or greater will result in a fine of up to $1,000 plus court costs.
Substance abuse program: You will be required to attend a state approved ADSAP program.
Test refusal: A first offense refusal will result in a 6 month license suspension.
Ignition interlock: First time offenders who had a BAC of .15% or greater will be required to have an interlock for 6 months. Depending on the circumstances you may also be required to have a special interlock restricted license.
License suspension: Your license will be suspended for 6 months for a first offense. Your license will be reinstated once you complete the required ADSAP program, pay the $100 reinstatement fee, and file proof of an SR22 form that meets the state requirements.

 

South Carolina Second Offense DUI

A South Carolina second offense DUI conviction carries the following penalties:

Jail time: A second offense with a BAC of .08% – .10% will result in a jail sentence of 5 days up to a maximum of 1 year.  A second offense with a BAC of .10% – .16% will result in a jail sentence of 30 days up to a maximum of 2 years.  A second offense with a BAC of .16% or greater will result in a jail sentence of 90 days up to a maximum of 3 years.
Fines: A second offense conviction with a BAC of .08% – .10% will result in a fine of $2,100 up to a maximum fine of $5,100 plus court costs.  A second offense conviction with a BAC of .10% – .16% will result in a fine of $2,500 up to a maximum fine of $5,500 plus court costs.  A second offense conviction with a BAC of .16% or greater will result in a fine of $3,500 up to a maximum fine of $6,500 plus court costs.
Substance abuse program: You will be required to attend a state approved ADSAP program.
Test refusal: A second offense refusal will result in a 9 month license suspension.
Ignition interlock: Second time offenders will be required to have an interlock for 2 years following the suspension period.
License suspension: A second offense will result in your license being suspended by the DMV for a period of 1 year.  Second time offenders will not be eligible for a provisional license during their suspension period. Before the South Carolina DMV will reinstate your license following your suspension period you will be required to show proof of financial responsibility in the form of a South Carolina SR22 policy that meets the states minimum auto insurance liability coverage limits. You will also have to pay a $100 license reinstatement fee to the DMV.

Carolina Third Offense DUI

A South Carolina third offense DUI conviction is a Felony offense and carries the following penalties:

Jail time: A third offense with a BAC of .08% – .10% will result in a jail sentence of 60 days up to a maximum of 3 years.  A third offense with a BAC of .10% – .16% will result in a jail sentence of 90 days up to a maximum of 4 years.  A third offense with a BAC of .16% or greater will result in a jail sentence of 6 months up to a maximum of 5 years.
Fines: A third offense with a BAC of .08% – .10% will result in a fine of $3,800 up to a maximum fine of $6,300 plus court costs.  A third offense conviction with a BAC of .10% – .16% will result in a fine of $5,000 up to a maximum fine of $7,500 plus court costs.  A third offense with a BAC of .16% or greater will result in a fine of $7,500 up to a maximum fine of $10,000 plus court costs.
Substance abuse program: You will be required to attend a state approved ADSAP program.
Test refusal: A third offense refusal will result in a 1 year license suspension.
Ignition interlock: Third time offenders will be required to have an interlock for 3 years following the suspension period.
License suspension: A third offense will result in your license being suspended by the DMV for a period of 2 years.  Third time offenders will not be eligible for a provisional license during their suspension period. Before the South Carolina DMV will reinstate your license following your suspension period you will be required to show proof of financial responsibility in the form of a South Carolina SR22 insurance policy that meets the states minimum auto insurance liability coverage limits. You will also have to pay a $100 license reinstatement fee to the DMV.

 

South Carolina Fourth or Subsequent Offense DUI

A South Carolina fourth or subsequent offense DUI conviction is a Felony offense and carries the following penalties:

Jail time: A fourth or subsequent offense with a BAC of .08% – .10% will result in a jail sentence of 1 year up to a maximum of 5 years.  A fourth or subsequent offense with a BAC of .10% – .16% will result in a jail sentence of 2 years up to a maximum of 6 years.  A third offense with a BAC of .16% or greater will result in a jail sentence of 3 years up to a maximum of 7 years.
Fines: The fine amount for a fourth or subsequent offense conviction shall be set by the court and could be as high as $10,000 plus court costs.
Substance abuse program: You will be required to attend a state approved ADSAP program.
License revocation: Your license will be revoked for life following a fourth offense.

South Carolina CDL DUI Laws

A person operating a commercial motor vehicle in the state of South Carolina while under the influence of alcohol, drugs or an intoxicant with a blood alcohol concentration of .04% or greater or failing to submit to a chemical test is in violation of the state’s laws regarding CDL’s and will be arrested for DUI and your CDL will be revoked for a period of 1-year following a first offense violation.  A second CDL DUI offense will result in your CDL being revoked for life.

If you were carrying hazardous materials at the time, your CDL will be revoked for 3-years. A second offense violation while carrying hazardous materials will result in a permanent CDL revocation, you will never be able to drive or operate a CMV again.  A CMV operator stopped and found to have any measurable amount of alcohol less than .04% in their system will be issued an “out-of-service” notice and will not be allowed to drive for the next 24-hours.

South Carolina DUI Under 21 Years of Age

Anyone under the age of 21 who is stopped and found to have consumed alcohol or drugs and has a BAC level of .02% or higher will be arrested for violating South Carolina’s “zero tolerance” law regarding under age drinking and driving.  The penalties for violating the zero tolerance law will include the suspension or revocation of your license for a period of time to be determined by the DMV. Parents should be fully aware of the laws surrounding DUI’s, especially concerning new drivers under the age of 21. Unfortunately, young inexperienced drivers are typically less aware and concerned about the consequences of not following traffic laws. To ensure your new driver is well prepared to drive responsibly, visit http://www.onedirectiondriving.com/sc/drivers-ed-columbia.

If you are under 21 and are arrested for having a BAC level of .08% or greater you will be facing the same fines and penalties as someone over 21 would face for the same offense.

You will also be required to show proof of financial responsibility in the form of an South Carolina SR-22 insurance policy before the DMV will reinstate your license or issue you a temporary driving permit. 

South Carolina SR22 Requirements

Before the South Carolina DMV will reinstate your license following your suspension period, they will require you to file an SR22 form with them before issuing you a new license along with meeting the other requirements they have set forth. You will be required to carry your SR22 insurance for a period of 3-years.

At anytime during this 3-year period if there is a lapse in your South Carolina SR22 insurance coverage, your insurance provider is obligated by law to immediately inform the South Carolina DMV of the lapse.  If a lapse in coverage occurs, the SC DMV will immediately suspend your license and you will be required to re-file an SR22 form with the DMV before they will issue you another license.

Since you are going to have to have your SR22 insurance for a period of 3-years, it is important to find the cheapest policy you can before choosing one.  DUI Process has partnered with the largest and most trusted SR22 insurance provider in the state of South Carolina and has worked out a special discount only available here for our website visitors.

You won’t be able to find a SR22 insurance policy in South Carolina for any less. Type in your zip code below so we can provide you with the cheapest rates in your area.

Source – www.duiprocess.com

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from One Direction Driving http://www.onedirectiondriving.com/penalties-drunk-driving-south-carolina/

How much does driving school cost in Tampa, Florida?

For someone who needs to learn how to drive, driving school cost is a concern. The typical cost of a driving school varies greatly between states and cities, and is affected by the cost of gasoline. Expect classroom driver training between $30 and $180. Actual road training runs between $50 and $150 per session. Most driving schools offer an all-inclusive package between $200 and $800.

See our Buying Guide on Cars for Students >>

The testing vehicle should have air bags and an adjustable steering column, while being no more than four years old. Many states now require teenage drivers to provide a vehicle with dual controls when taking their state driving exam, which can often be rented from a driving school.

How to Get the Best Deal on Driving School

Getting the best deal on a driving school requires the same skills as when searching for a deal on any item you purchase. A driving school is a good idea for an individual with a need for skills training necessary to pass a state driving test. Driving schools focus on both the written and road exam components of a state driving test. Finding a good school that accomplishes this at a good price is your job as a consumer.

Compare Schools
Driving schools vary in their cost and the type of instruction that they provide. A person looking for instruction from a driving school may expect to pay several hundred dollars for instruction. Call several different driving schools near you and compare the cost of instruction. Here is an example of a local driving school with reasonable prices http://www.onedirectiondriving.com/fl/drivers-ed-tampa/. Ask questions regarding the services provided, success rates and any testimonials from past customers.

Research the Costs
Performing a comparison of costs and services should give you a good idea of which school offers the best bargain. Know what you are willing to spend and what to expect when seeking a driving school so you are not surprised by the price. Ask about their refund policy and whether or not the school offers a chance to repeat the course at no cost should you fail to pass your driving test. Having this type of guarantee may actually make a school that costs more worth it to you.

Which Driving School Is the Best Fit for You?

Driving schools offer classes for different purposes and ages. There are traffic violation lessons, teen lessons, mature driving lessons and defensive driving lessons. In taking these courses, drivers learn the rules of the road and practice driving under the supervision of professionals trained in instructing individuals of all ages.

Don’t Use Price
This is usually the first thing looked at, but it shouldn’t be the only criteria. Some schools are less expensive for a reason. Some schools save money by employing unqualified instructors or using an inadequate curriculum. These are important factors which must be looked at in conjunction with the price. Use the Internet to see if these schools have public reviews or call your local DMV, which will always have driving school recommendations. Many places offer a payment plan which can make a more expensive driving school affordable.

Visit the Website and School
Start with the website. It should be easy to understand. Verify that it is licensed by the state. This shows that the school is in line with state laws and regulations. Also rate the customer service received. Make sure you get answers to your questions. Next, physically check out the school. You want to have a comfortable driving experience with the school and staff. If possible, speak to an instructor. Ask about schedule accommodation. Many schools offer morning classes, evening classes and even weekend classes, so you should be able to find a personalized fit for your schedule. One Direction Driving is known to work with students, considering most attend private or public school. 

Examine the Vehicles Used
Some schools provide vehicles which can be used for lessons and driving exams. Others allow personal vehicles to be used instead. If they provide vehicles, make sure the one driven is the one you want to learn on. Does the school provide just cars, or are SUV’s and trucks available? Ask if they have both automatic and stick vehicles available. Make sure the car you are learning in is similar to the car you plan to be driving on a normal basis.

Can You Take Driving School Lessons in Any Car?

Each state controls the issuing of drivers license and every state has its own rules and regulations in regards to driving schools and instructors. While some states allow you to use your own car for driving lessons, other states require you to use the driving school car. It is best to check not only with your local driving schools but also your local DMV to determine what you state’s requirements are. While some schools allow you to use your own car many require you to use your vehicle. There are a number of reasons for this.

• Dual control.Most driving school cars have a second brake pedal on the instructors side of the vehicle. This allows them to bring the vehicle to a stop if the new driver panics or loses control for any reason. Many of the vehicles have a second steering wheel as well
• Properly maintenance.When driving schools use their own vehicle, they know they are driving a properly maintained vehicle that has been serviced regularly and is safe for the instructor and student
• Fully insured. A driving school vehicle will be properly insured in case of an accident

Driving School Games

Although a driving school game is never a substitute for real life driving experience, a game can be an excellent and enjoyable way to become familiar with some of the laws and rules of the road. There are many excellent 3-D games now available that can help you learn the basics of driving and help to reinforce what you learn behind the wheel of an automobile.

How Driving School Games Can Help
A good driving school game is designed to simulate the actual driving experience of an automobile as realistically as possible, and while no simulation can replace the real thing – 3D driving games have made great strides in helping drivers practice before actually sitting in the driver’s seat.

3D driving games come in several varieties such as student/teacher type games, simple practice driving games and chase and pursuit games. While the objectives of the games are often very different, almost all will require that you become familiar with basic driving rules and regulations.

In this regard, the games can help you become comfortable with recognizing common traffic signals and signs, learn how to yield and negotiate intersections as well as many other common skills needed to successfully operate an automobile.

Types of Popular Driving School Games
These days, driving games are available in a wide number of formats. For instance, you can purchase practice driving games in formats for the PC or Macintosh as well as for popular console games like the Sony Play Station, Microsoft X-Box or Nintendo Wii. You can even purchase driving games for handheld game players as well.

In most cases you can play the games using only a keyboard, mouse or standard game controller. However, if you really want to get a realistic feel of driving, you may opt to purchase additional accessories such as a steering wheel controller, gas and brake pedals and even a gear shifter module. Most driving simulation games are designed for use with these optional accessories and are much more life-like and usable when played with these components.

 

Source – www.carsdirect.com

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from One Direction Driving http://www.onedirectiondriving.com/much-driving-school-cost-tampa-florida/

How does a DUI affect your record in Orlando, Florida?

DUI Ramifications in Florida

Everyone knows that you can be arrested for DUI and sent to jail. Most people know that there are fines and license suspensions that can be imposed. Some are aware that there are other conditions such as probation and mandatory community service work. Very few realize that there are consequences that stem from DUI arrests or convictions that can affect your job, your housing and every other aspect of your life for the rest of your life!

In Florida, DUI charges can never be expunged or sealed. It is also unlawful to receive “a withhold of adjudication” in a DUI case. The charge will remain on your record forever. It can be counted against you indefinitely. The issue of DUI’s is taken very seriously by the government and driving schools which are responsible for educating people on the laws of a state, so that they are well equipped for the roads. One Direction Driving is a reputable local school that teaches on the dangers of drunk driving. 

This means whenever a criminal check is conducted, the charge will appear. These background checks can be conducted in consideration of employment, to determine admission into professional associations, for housing and home owner association approval and for insurance purposes.

Because there are so many unforeseen consequences that result from a DUI charge, it is important to understand all of the ramifications that can occur.

DUI and Background Checks

Almost everything you do or try to do these days involves a background check. Jobs screen employees before hiring them. Professional associations run criminal background checks before allowing you to hold a professional license. Schools run checks on parents who wish to volunteer. Even a next door neighbor can pull up your criminal history online for a fee! Having a DUI on your record can affect almost any aspect of your everyday life.

In Florida there is a process that allows for an individual to seal or expunge a criminal charge. To qualify for a sealing or expunging of the record a person must meet certain criteria. If it is met, only law enforcement would ever be able to find out about your charge.

But, when it comes to DUI, Florida has a law that expressly forbids the sealing or expunging of a DUI charge. This means even if you are found not guilty at trial, or if your charge is amended to a “wet reckless” or dismissed altogether it can never be removed. A person conducting a background check will always see that you were arrested for DUI.

In addition, a person cannot receive a “withhold” for a DUI charge. A withhold allows a person to say that they are not convicted of a crime, even if they plea guilty. For a DUI charge, the person must be adjudicated by the Court.

These laws that are in place make it impossible for you to escape your DUI. It will remain with you for the rest of your life. In some states, there is a limit as to how far back a potential employer or entity can check. Florida has no such limits.

Background checks are especially important for students who are applying for financial aid. Some colleges will suspend a student’s financial aid for a DUI charge. Or, even worse, suspend them from classes. This can be devastating for a college career.

Nursing students and students trying to enter positions in the medical field have the most difficult time with this type of charge. They can be denied entry into programs. If not denied, they can have severe restrictions placed on them equivalent to a second probation. The same goes for teachers or those who are trying to obtain employment with the elderly.

Even more devastating than denial of entry to a school program can be the loss of housing. Some home owner associations can have you evicted for a DUI charge. This means you can be forced to move as a result of a DUI.

If you are a member of the military, or if you are trying to become a member of the military, a DUI charge can get you thrown out, or prevent entry altogether. If you are allowed to remain in service, a DUI charge can affect your obtaining certain choice positions within your branch.

Many volunteer organizations will not allow your participation if you have a DUI charge. Elementary schools can elect to suspend or revoke your volunteer privileges for a DUI. Employers can reject your application for employment.

DUI charges can also affect those trying to obtain citizenship or those trying to obtain visas. This is not as common as some of the other ramifications, but it is always a possibility.

DUI charges remain on a Florida criminal history indefinitely. If you are in a position where your background is checked, you should contact a DUI attorney immediately to see if you have any options.   

DUI and Employment

In this competitive job market having a criminal record can disqualify you from many positions. It can cost you the initial job or a promotion. It is very important to understand the impact a DUI has on your current or potential employment.

Employers are getting more and more particular when it comes to background checks. A DUI can make the difference between whether your resume is accepted or placed in the trash. Some employers see DUIs as an as an indicator of substance abuse issues, even if that is not the case. This can make the difference between your getting the job – or not making the cut.

A DUI in your background can be especially devastating if you are trying to obtain a position where driving is necessary. A DUI can suspend your driving privilege. If driving is a necessary part of your job function, you would be unable to perform your job duties. In addition employers may have to pay higher insurance premiums for you if you drive company vehicles. Potential employers may be unwilling to do that.

Commercial drivers do not have the option of obtaining a hardship license. This means they can’t drive during the suspension period. Also, a DUI charge stays on their DAC which can be viewed by all potential employers when applying for commercial driving positions. Many employers will not employ a driver with a DUI charge on the DAC until proof of substance abuse counseling is obtained. This is true even if the charge is amended or if you are found not guilty.

If you hold a professional license, such as a nursing license, a DUI conviction can result in review or suspension of your professional license. This means you could actually lose your job over a DUI charge even if driving is not part of the job description. If you are not suspended, you could be required to take extra counseling over and above what is required in your criminal case.

There are several websites and magazines that list a person’s mugshot for public review. Some employers see this as negative publicity for the company and will let you go or refuse to hire you. Getting your photo removed from these sites can be expensive and/or impossible. Your photo can remain on these sites to be “Googled” indefinitely even without a conviction or background check.

DUIs may affect your employment in other ways. To get a full picture of how your DUI arrest can affect your employment you should contact your local attorney for a full consultation.

DUI and Insurance

The most expensive part of a DUI charge is the insurance. Insurance rates for a person with a DUI on their driving record can go up as much as five times the current rate. In addition to the normal coverage, you will be required to carry SR22. SR22 is not a policy itself but proof that you have additional coverage. “SR” stands for Safety & Responsibility. The “22” is the form number. This proof of coverage is very expensive but required in every state for those convicted of DUI. Normally you must carry the SR22 for five years following a conviction.

The insurance coverage must be in place whether you own your own vehicle or not. If you let the policy lapse, the DMV will suspend your license until the coverage is reinstated.

If you have a car that is leased or financed, you could be required to carry even more coverage than what is required by law. For example instead of $10,000/$20,000 limits, the finance company may require you to have limits of $100,000/$200,000. This is because the lender sees you as a higher risk. They need to make sure that their investment is protected. Failing to keep a car insured can result in its repossession.

If your child is a minor and is arrested for DUI the rates can be even higher. Some companies will not allow you to keep your child on the same policy. They will request a separate policy be issued. This can affect the rates of your other insurance coverage if you “bundle” your home, auto and life together.

If your DUI results in property damage or personal injury your insurance may not cover all of the damages. If there is an insurance lien or judgment entered against you as a result of your DUI, your driver’s license will remain suspended until the judgment is satisfied.

Insurance following a DUI is an expensive consequence that can last for years after the case is concluded. To determine how your rate will be affected you should contact your insurance representative.

All of these issues are unexpected consequences of a DUI charge. Click here to learn more about preparing for driving and learning about the laws of the road. In order to protect yourself you should consult with the proper professional to discuss all of your options.

Source – floridadefenders.com

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from One Direction Driving http://www.onedirectiondriving.com/dui-affect-record-orlando-florida/

What are the penalties for a DUI in Miami, Florida?

Because drinking and driving is so dangerous, the penalties for doing so are extremely harsh in Florida. The state is serious about curbing injuries and deaths from alcohol-related crashes. The more DUIs you receive, the worse the penalties become. Not to mention the fact that both the courts and the Florida Department of Highway Safety and Motor Vehicles, will have a say in what happens to you after you are stopped for driving under the influence.

Driving under the influence (DUI) is defined as operating a motor vehicle while impaired with a blood alcohol content (BAC) of 0.08% or higher, a chemical substance, or a controlled substance. Those under 21 years old will be charged with a DUI if their BAC is 0.02% or over and commercial drivers will be charged if their BAC is 0.04% or over.

First DUI Conviction in Florida

Even your 1st DUI conviction can be costly both in time, fines and living with the consequences. The courts (criminal penalties) and the Department of Highway Safety and Motor Vehicles (Administrative penalties) can take actions such as:

Administrative Penalties

• Driver’s license suspension/revocation: 180 days to 1 year
• DUI Program (if required) and fee: $15
• Administrative fee: $130.
• Driver’s license reinstatement fee:
  • Suspension: $45
  • Revocation: $75.
• Maintain FR-44 for 3 years
• Ignition Interlock Device and fee of $12 (if granted a restricted driver’s license).

Criminal Penalties

• Fines of $500 to $1,000.
  • If you have a BAL of 0.15% or higher, or had a minor in the car, the fine will range between $1,000 and $2,000.
• Community service. Mandatory 50 hours, or an additional fine equaling $10 per required community service hour.
• Probation of no more than 1 year.
• Jail time of up to 6 months. For BAL of 0.15% or higher, the sentence could last 9 months.
• Vehicle impoundment for 10 days (not counted during your incarceration)
• Ignition Interlock Device.

Second DUI Conviction

Administrative Penalties

• Driver’s license suspension/revocation
  • Not within 5 years: 180 days to 1 year
  • Within 5 years: 5 years
• DUI Program (if required) and fee: $15
• Administrative fee: $130.
• Driver’s license reinstatement fee:
  • Suspension: $45
  • Revocation: $75.
• Maintain FR-44 for 3 years
• Ignition Interlock Device: $12 if granted a restricted driver’s license.

Criminal Penalties

• Fines of $1,000 to $2,000. For BAL of .0.15% or higher, or a minor in the car, minimum $2,000 to $4,000.
• Jail time of not more than 9 months. A BAL of .0.15% or higher, or driving with a minor in the car, will require up to 12 months*.
• Vehicle impoundment for 30 days.*

Third FL DUI Conviction

Administrative Penalties

• Driver’s license suspension/revocation:
  • Not within 10 years: 180 days to 1 year.
  • Previous offense within 5 years: 5 years
  • Last 2 offenses within 10 years: 10 years
  • DUI Program (if required) and fee: $15
  • Administrative fee: $130.
  • Driver’s license reinstatement fee:
    • Suspension: $45
    • Revocation: $75.
    • Maintain FR-44 for 3 years
    • Ignition Interlock Device: $12 if granted a restricted driver’s license.

  Criminal Penalties

  • Fines of $2,000 to $5,000. If your BAL was .0.15% or higher or you had a minor in the vehicle, the minimum fine is $4,000.
  • Jail time. Mandatory 30 days. Depending on previous convictions the maximum jail time is 12 months.*
  • Vehicle impoundment for 90 days.*

  Fourth or Subsequent DUI Conviction

  Administrative Penalties

  • Driver’s license suspension/revocation: 5 years (no hardship available)
  • DUI Program (if required) and fee: $15
  • Administrative fee: $130.
  • Driver’s license reinstatement fee:
    • Suspension: $45
    • Revocation: $75.
  • Maintain FR-44 for 3 years
  • Ignition Interlock Device: $12 if granted a restricted driver’s license.

  Criminal Penalties

  • Minimum $2,000 fine.
  • Jail time of up to 5 years.

  FL Drivers Younger Than 21 Years of Age

  Young drivers who are found with a BAC of 0.02% or higher are subject to an automatic Administrative suspension of 6 months by the Department of Highway Safety and Motor Vehicles. For most people, a single drink will put them over that limit. More than one conviction,or refusing to take a BAC test, will have you lose your license for much longer:

  • DUI 2nd offense: 1 year.
  • Refusing to take BAC test 1st offense: 1 year.
  • Refusing to take BAC test 2nd offense: 18 months.

  DUI Misdemeanors, Felonies and Manslaughter

  The penalties listed above may sound harsh, but they’re really the best-case scenario for a person who makes the decision to drink alcohol and then get into a car and drive. If you hurt someone while impaired or, worse yet, cause a death, the above penalties will seem like a slap on the wrist. DUI Misdemeanors, Felonies and Manslaughter carry extremely high penalties. 
  Administrative actions alone carry permanent revocation of your license with very little hope for a hardship license within 5 years if you cause a fatality. If you have had any prior convictions for DUI you will never be allowed to possess a driver’s license again. This does not include the fines of up to $10,000 you could pay or the 30 years imprisonment you may face for a DUI Manslaughter or Felony charge.

  License Reinstatements by the FL DHSMV

  Even if you haven’t caused injuries or served jail time, losing your license can seriously affect other areas of your life, not the least of which is your job.

  Hardship License Reinstatement

  In some cases, it might be possible to have your suspended license reinstated for hardship purposes, meaning to drive to and from work only. You’ll have to complete a DUI program and probably have an ignition interlock device installed on your car for 6 months to 5 years.

  Ignition Interlock Device 

  The ignition interlock device requires the driver to give a breath sample before starting the car. If the BAC is more than 0.025%, the car will not start. The device even submits the driver to “rolling retests,” meaning an alarm will sound and the driver must give a sample while operating the vehicle. Even if you don’t apply for a hardship reinstatement, you’ll still be required to take the DUI course and possibly use an ignition interlock device. There’s no way to recover from a DUI conviction easily or quickly. The best idea is the simplest: Don’t drink and drive, period. Driving schools such as One Direction Driving especially emphasize the dangers of drunk driving to new drivers, but even still, drunk driving is major problem among young people, including those under 21. For more official details and regulations concerning DUI convictions, please see the state’s website.

Source – dmv.org

 

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What are the steps to get a driver’s permit in Atlanta, Georgia?

Georgia Permits

A Georgia permit, also called an instructional permit, is a requirement of the Teenage and Adult Driver Responsibility Act (TADRA).

TADRA is a graduated driver’s license (GDL) process that consists of several licensing stages for teen drivers. Along with Joshua’s Law, which requires driver’s training for teens, TADRA helps ensure that you, as a teenage driver, drive safely and responsibly.

Instructional permits and driver’s licenses are regulated and issued by the Georgia Department of Driver Services (DDS).

New to Georgia?

As a new Georgia resident, you have 30 days to transfer your permit or driver’s license.

To transfer a permit, you must be at least 15 years old, regardless of your previous state’s licensing rules.

You will get credit for the time you’ve held your out-of-state permit. The time will count toward the 12 months that you are required to hold an instructional permit before moving on to your intermediate driver’s license.

To transfer your out-of-state permit, you will need either:

• Your current permit.
  OR
• A certified copy of your driving record that is no more than 30 days old, if your permit was lost or stolen.

Follow the application process in the “ GA Instructional Permit Requirements” section below.

Georgia Instructional Permit Requirements

To apply for a instructional permit in Georgia, you must be at least 15 years old.

Visit a DDS Customer Service Center in person and:

• Complete an application form.
  • Your parent, guardian, or authorized driver’s education instructor must sign your application.
• Submit a completed Certificate of Attendance (Form DS-1) dated within the last 30 days, or a high school diploma or GED.
• 1 document to prove your identity, such as:
  • A valid passport.
  • An original or certified U.S. birth certificate.
• 1 document to verify your Social Security number (SSN), such as:
  • Your Social Security card.
  • A W-2 with your name and all or part of your SSN.
• 2 documents to prove you are a GA resident, such as your:
  • School report card or Certificate of Attendance.
  • Bank statement.
• Pass 2 written tests.
• Pass the vision exam.
• Pay the $10 fee.
  • Credit or debit card (VISA, MasterCard, Discover, or American Express), cash, check, or money order.

 

Taking the Written Georgia Permit Test

Before your instructional permit is issued, you have to pass 2 written tests on driving laws and highway signs.

To pass, you must get 15 questions out of 20 questions correct on EACH test.

The road rules test covers several topics, including:

• Being a responsible and safe driver.
• GA traffic laws.

The road signs test covers:

• Highway signs.
• Traffic signals.
• Road markers.

NOTE: The road rules test is available in several languages, but the road signs test is available in English only. This ensures that you can read and understand the signs as they appear on the road.

DMV.ORG TIP:To prepare for the written tests, you can study the GA Driver’s Manual and the DDS also offers a basic practice test. Our suggestion is to maximize your chances of passing on your first attempt with an online practice test from our certified partner.

Retaking the Written Permit Test

If you fail either of the written tests, you must wait 1 day to retake it.

If you fail a 2nd time (or any additional attempts), you will have to wait at least 7 days before retaking the Georgia permit test.

You will have to pay the $10 instructional permit fee every time you take the tests. The fee is not refunded if you fail either or both exams.

 

Georgia Instructional Permit Driving Restrictions

With your Georgia instructional permit, you are allowed to drive ONLY while accompanied by a supervising driver who is:

• Licensed to drive a class C vehicle.
• At least 21 years old.
• Attentive and alert enough to take control if necessary.
• Sitting next to you in the vehicle.

School Attendance and Conduct

If you’re younger than 18 years old, having a instructional permit is dependent on your attendance and behavior at school.

Your Georgia instructional permit can be taken from you if you:

• Stop attending school.
• Have 10 unexcused absences.
• Have infractions for poor conduct.

Behind-the-Wheel Driving Requirements

Georgia’s Joshua’s Law requires that teen drivers get supervised behind-the-wheel experience.

While you have your instructional permit, you must practice driving before you can progress to the next GDL stage. You can get behind-the-wheel practice from:

• Supervised driving experience.
• A Driver’s Ed class.
  • If you want to apply for your intermediate driver’s license before you’re 17 years old, you MUST complete a driver’s education course. Click here for more info on drivers eduction in Georgia. 

Supervised Driving Experience

During the time you have your instructional permit, you are required to log 40 hours of supervised driving, including 6 hours of night driving.

Your parent or guardian will sign a statement verifying that you have completed these hours.

For more information, see our page Driver’s Training in Georgia.

Driver’s Ed

A Driver’s Ed class is another effective way to get supervised experience.

If you take driver’s education, you not only get extra practice, but you can also apply for your intermediate driver’s license sooner. Usually you must wait until you’re 17 years old to obtain your provisional license. Completing Driver’s Ed will allow you to apply when you are just 16 years old. One Direction Driving is one of many reputable driving schools in the Atlanta metro. 

See our page on Driver’s Ed in Georgia for more details.

Next Step: Intermediate Driver’s License

Before you are eligible for an intermediate driver’s license, you must:

• Have held your Georgia instructional permit for at least 12 months.
• Be at least 16 years old (or 17 years old if you have not completed an approved Driver’s Ed class).
• Complete supervised driving hours (see “Behind-the-Wheel Driving Requirements” above).
• Pass a driving test.

Source – www.dmv.org

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Who needs a drivers license in Jacksonville, Florida?

Florida Classified Driver Licenses

The Department of Highway Safety and Motor Vehicles issues the following classes of licenses: Class A, B, C, D, and E.

• Classes A, B, and C are for drivers of commercial motor vehicles such as large trucks and buses.
• Classes D and E are for drivers of non-commercial vehicles.

NOTE: There is a separate manual entitled Commercial Driver License Manual for Truck and Bus Drivers. This manual is available at any driver license office. If you wish to drive a commercial motor vehicle as defined below, you must be properly tested and licensed to do so.

Who Needs One?

If you live in Florida and want to drive a motor vehicle on public streets and highways, you are required to have a State of Florida Driver License.

If you move to Florida and have a valid license from another state, you must get a Florida license within 30 days of becoming a resident. You are considered a resident of Florida if you:

• enroll your children in public school, or
• register to vote, or
• file for a homestead exemption, or
• accept employment, or
• reside in Florida for more than six consecutive months.

Who Does Not Need One?

The following persons may drive in Florida without having a Florida driver license if they have a valid license from another state or country:

• Any non-resident who is at least 16 years old.
• Persons employed by the United States Government driving a United States Government motor vehicle on official business.
• Any non-resident working for a firm on a contract for the United States Government. (This exemption is only for 60 days.)
• Any non-resident attending college in Florida.
• Persons who drive only vehicles like farm tractors or road machines temporarily on the highway may drive without a license.
• A licensed driver who lives in another state and travels regularly between his home and work in Florida.
• Non-resident migrant farm workers even though they are employed or place children in the public schools, providing they have a valid license from their home state.
• Members of the Armed Forces stationed in Florida and their dependents, with these exceptions:
  1. Service member or spouse claims homestead exemption (All drivers in family must obtain Florida licenses),
  2. Service member becomes employed (All drivers in family must obtain Florida licenses),
  3. Spouse becomes employed (Spouse and children who drive must obtain Florida licenses),
  4. Child becomes employed (Only employed child who drives must obtain Florida license).

Learner’s Driver License

A person who holds a Learner’s License must be accompanied by a licensed driver, 21 years of age or older, who occupies the front passenger seat closest to the right of the driver.

Drivers can only drive during daylight hours for the first three months from the original issue date when accompanied by a licensed driver, 21 years or older who occupies the front passenger seat.

After the first three months, drivers may operate a vehicle from 6 a.m. to 10 p.m. with a licensed driver, 21 years or older in the front passenger seat.

NOTE: Drivers with a Learner’s License are ineligible for a motorcycle endorsement.

Requirements:

• Be at least 15 years old.
• Pass vision, road signs and road rules tests.
• Have the signature of one parent (or guardian) on the consent form if under age 18.
• Completion of Traffic Law and Substance Abuse Education Course.
• Two forms of identification.
• Social Security Number.
• Must be in compliance with school attendance.

The 2000 Florida Legislature amended section 322.05, Florida Statutes, changing the requirements to obtain a Class E license for a driver under the age of 18 holding a learner’s license. The following requirements must be met in order to obtain a regular Class E license if a learner’s license is issued on or after October 1, 2000:

• Must hold a Learner’s License for at least 12 months or until the 18th birthday.
• Must have NO convictions 12 months from the issue date of the learner’s license.
• May have one traffic conviction within 12 months from the issue date of the learner’s license if adjudication is withheld.
• A parent, legal guardian, or responsible adult over 21 years old must certify that the driver has 50 hours driving experience, including 10 hours of night time driving.

Parent’s Consent for Minors

If you are under 18 and are not married, your license application must be signed by one parent or legal guardian. STEP-PARENTS MAY NOT SIGN FOR YOU UNLESS THEY HAVE LEGALLY ADOPTED YOU.
The application must be signed in front of the examiner or a notary public. Whoever signs your application agrees to take responsibility with you for your driving. If the signer decides not to accept responsibility for your driving, your license will be canceled. To cancel the license, the signer must write a letter to the department requesting to withdraw their consent for the minor driver. I include the complete name, date of birth and driver license number of the minor driver in the letter.

THE CONSENT FORM MUST BE NOTARIZED OR SIGNED IN THE PRESENCE OF THE EXAMINER.

Identifying Yourself

State law requires identification, proof of date of birth and social security number from all customers before a driver license or identification card can be issued. Each applicant for an original (first time) driver license or identification card MUST present one of the following as his or her primary identification document:

PRIMARY IDENTIFICATION

1. United States birth certificate, including U.S. territories and District of Columbia. (Original or Certified Copy).
2. Valid United States passport (not expired).
3. Alien Registration receipt card (not expired).
4. Employment authorization card issued by the United States Department of Justice (not expired).
5. Proof of non-immigrant classification provided by United States Department of Justice (Form I94 not expired or Certificate of Naturalization)(not expired).

In addition, a secondary identification document is required and may include, but is not limited to, the original or certified copy of one of the following:

SECONDARY IDENTIFICATION

1. School record stating date of birth, which must contain the registrarâ€s signature.
2. Transcript of the birth record filed with a public officer charged with the duty of recording certificates.
3. Baptism certificate, which shows date of birth and the place of baptism.
4. Family bible record or birth announcement in a baby book.
5. An insurance policy on the customers life which has been in force for at least two years and which has the month, day and year of birth.
6. A military or military dependent identification card.
7. Florida or another state driver license, valid or expired (may also serve as a primary item).
8. Florida license record or identification card record.
9. Selective Service Registration (Draft Card).
10. Florida Vehicle Registration certificate (HSMV 83399, ownerâ€s copy) obtained from the tax collectorâ€s office where the customerâ€s vehicle was registered, Florida, or out-of-state registration certificate, if name and date of birth are shown.
11. Florida and out of state, non-driver identification cards (may also serve as a primary item).
12. Receipt copy of your last Florida driver license issuance.
13. Immigration form I-571.
14. Federal form DD-214 (military record).
15. Marriage certificate.
16. Court order, which includes legal name.
17. A Florida voter registration card which was issued at least three months previously.
18. Personal identification by an examiner or by a person well known to the examiner.
19. Social Security Card.
20. Parent Consent Form (HSMV 71022).
21. Out-of-country driver license or identification car, government issued.

If you have legally changed your name by marriage or court order, you must submit the original or a certified copy of your marriage certificate or court order.

No photocopies will be accepted unless certified by the issuing authority.

NOTE: A secondary identification from the above list is required. The Social Security Number (if issued) MUST be included on the application for a driver’s license or identification card.

Traffic Law and Substance Abuse

If you have never been issued a license in any jurisdiction (state or country), you are required to complete a traffic law and substance abuse education course before you will be issued a license. Consult your local phone directory for locations in your area.

Driver Education

Driver education courses such as One Direction Driving can help you develop the skills you need to be a safe driver. You can obtain more information by going here or referring to your local telephone directory under Driving Instruction or Traffic Schools.

Third Party Testing

Many Driver Education teachers assist the Department of Highway Safety and Motor Vehicles (DHSMV) in licensing new drivers. Students who satisfactorily complete the DHSMV-approved Driver Education Licensing Assistance Program (DELAP) courses in participating public or private schools may receive DHSMV waiver certificates from their driver education teacher. These certificates, when presented to the local driver license office, will be used to replace the DHSMV written and/or driving tests for issuance of a learner’s driver license or Class E license. DHSMV may, however, test any student on a random basis before issuing a driver license. The waiver certificates are valid for one year from the original date of issuance.

Source – www.stateofflorida.com

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