Filing an SR-22

An SR-22 is a guarantee of car insurance that is often required after traffic violations occur. The form is not car insurance; it is a certificate of financial responsibility that works as proof that the holder has insurance that meets the state’s minimum car insurance requirements. More specifically, an SR-22 ensures that the certificate holder will maintain the minimum insurance requirements for a set amount of time.

According to the website of Habush Habush & Rottier S.C. ®, SR-22 coverage is often required when a number of serious traffic violations occur. These could include driving under the influence, driving while intoxicated, driving without car insurance, involvement in a serious car accident, or driving with a suspended or revoked license. While SR-22 durations can vary, most states require the SR-22 certificate to be filed for three years.

Most states require the SR-22 to be filed directly through the car insurance provider to ensure that there is no falsification of car insurance status. There is generally a small, onetime fee associated with filing an SR-22 with the Secretary of State department. Unfortunately, since SR-22 certificates are directly related to severe traffic violations, car insurance premiums often go up substantially because the driver is now a “high-risk” driver. However, there is always a financially feasible option for everyone in need of an SR-22 certificate.

There are some cases when insurance providers will refuse to insure a high-risk driver and will deny an SR-22 certificate to their client. This requires an individual to shop for insurance to cover them for the future. In some cases, a person may be forced to file with the state insurance, paying high premiums than for most market insurance companies.

Having and keeping up to date insurance is important to protect yourself from financial repercussions. There are affordable, easy options that still meet the state’s minimum requirements. For more information about filing an SR-22, seek advice from your local car accident lawyer.

Consequences of Drunk Driving Accidents

Drinking and driving is a criminal offense that can include heavy fines and jail time. The legal term, driving while intoxicated, means the operator of an automobile was over the legal limit of .08% blood alcohol content. Thousands of deaths and injuries occur every year when an individual makes the poor decision to get behind the wheel after drinking. According to the website of the Goings Law Firm, it is nearly impossible for the victims of these drunk drivers to avoid the consequences drunk drivers can cause.

Alcohol is a depressant drug that has serious physical, psychological, and emotional affects. Motor skills are impaired early on when consuming alcohol. At a BAC of .02%, an individual starts to relax, lose visual functions, and have impaired judgment. At .05%, there is slower eye movement and reaction time. In addition to all of this, coordination worsens, reasoning skills lessen, and short-term memory loss occurs when the BAC reaches .08%. A person’s blood alcohol content can continue to rise up to three hours after the last drink was consumed. Furthermore, the hangover effects the next day can continue to impair motor functions.

Every year, more than 13,000 people are killed in drunk driving related car accidents and hundreds of thousands more are injured. This costs the United States over $100 billion each year in damages. There are about 1.4 million DWI arrests annually, more than half of which result in a conviction.

The victims of these accidents can have serious financial and emotional injuries in addition to the physical damages they sustained. According to the website of personal injury lawyers Crowe & Mulvey, LLP, the drunk driver may be forced to compensate medical bills, lost wages, and property damage for the injured party.

A Waco personal injury lawyer can identify that filing a dram shop claim against the establishment or organization that negligently served the drunk driver is also important to keep all parties accountable for their actions. If you were injured in a drunk driving accident, contact an attorney in your area to discuss options to seek the compensation you deserve.

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