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Hire A DUI Lawyer

Reader’s Question:

I told my cousin to take his DUI charge here in Texas seriously because I think it’s not just an ordinary case. Am I right in saying that he should hire a lawyer to defend him on his DUI charge?

Martin

Dallas, TX

Being charged for DUI in Texas is not just a simple problem since the legal system is really hard to pass through. The law is in place for DUI offenders and your cousin will not be treated kindly because of his mistake. He may not know what to do and where to find help on his criminal case. That’s why he definitely needs professional advice that can aid him in working through the legal process of his DUI trial.

A DUI lawyer could help him organize for his court appearance and find out what type of penalties he may have and they can help him lower these penalties. For example, if he may be imprisoned, the DUI lawyer could help him have a settlement so he would just to do community service or pay a fine. Your cousin may not like to do those things but it’s actually better than being in prison when he needs to work or do other important things.

To find a DUI lawyer, you can help him by asking friends and other family members who have been in the same situation as your cousin is right now. They say that it’s the easiest way to find a lawyer for a DUI case but if you don’t know anybody who could help, you can just find it through the yellow pages or by going online. He may try to have free consultation first with several DUI lawyers and let him choose the one that he can afford.

5 Moves that Can Kill Your Car Insurance Budget

Reader’s Question:

They say that you will pay more on car insurance premiums if you drive more, is that true? If so, what are the other things I should avoid to keep my car insurance rates from skyrocketing?

Camden

Fort Worth, TX

Yes, simply being on the road more increases your chances of getting into a car accident or collision. Now something like this is a direct risk towards the car insurer’s business. The higher the risk you represent, the bigger rates you’ll be charge so your insurer can compensate. Aside from incurring more mileage, here are a few other things that could cause you to pay more on your coverage, most of the time unnecessarily:

1. Filing Claims Frequently – Claims equals accidents, accidents translates to risk, more risk means more rates. File too much and you’re effectively telling your insurer you’re a lousy driver who deserves to be overcharged on rates.

2. Letting Your Credit Slide – People who have excellent credit tend to be more responsible driver (at least, that’s what your insurer wants to think). So those with excellent credit are given good rates and vice versa.

3. Getting into a Car Accident – Now to be fair, most insurers nowadays tend to forgive your first accident (especially if you’ve been a good driver) however frequently getting tickets and even minor accidents can quickly make your rates astronomical.

4. Moving to the Big City – Why? This is due to the higher risk of getting into a car accident (and filing a claim) due to the increased crime rate and traffic density.

5. Adding a Teen on Your Policy – This is a no-brainer really; we all know that most teens are hardly law-abiding Einsteins when you put them behind the wheel.

Aside from doing your best to avoid most of the above stated factors, going online and running a free car insurance quote will also help you find the best providers and deals allowing you to save money on your policy.

Essential Facts About DUI Auto Insurance In Houston

Reader’s Question:

What sort of penalties or fines is my sister looking at for a drunk driving charge here in Texas?

Fatuma

Houston, TX

It would be to the benefit of Houston motorists to be aware about the laws and penalties Texas has for DUI or Driving Under the Influence offenders. If convicted, one can expect to pay costly fines, immediate revocation of driving privileges, and even the possibility of incarceration. A DUI auto insurance coverage would also be necessary in order to be allowed to drive again after a DUI sentence.

The following are the DUI penalties in the state of Texas: $2,000 in fines, 72 hours to 180 days incarceration, license suspension for a period of 30 days and the need to install (at the driver’s own expense) an Interlock Ignition system on the first offense. Second DUI offense: $4,000 in fines, license suspension from 6 months to a year, and imprisonment from 30 days up to a year. Third DUI offense: $10,000 fine, two to ten years imprisonment and a two-year license suspension.

Most people are also surprised at how much auto insurance rates and premiums increases after a DUI. This is because drivers with a DUI are seen as high-risk motorists. However, you can still save a lot of money by knowing how and where to find the most affordable DUI auto insurance policy available.

The Web is your gateway to getting the most competitive DUI auto insurance policies and offers today. With tons of dedicated online auto insurance portals and DUI websites offering free auto insurance quote checks, comparing companies for the best DUI insurance in Houston is now easier than ever.

If done correctly, you can expect to save hundreds of dollars, and even more, on the right DUI auto insurance policy every year. So save yourself the trouble, with just a few minutes and a bit of effort, the most affordable auto insurance policy for you may just be a few mouse clicks away!

Car Insurance In San Antonio, Texas

Reader’s Question:

I don’t want the same thing to happen to me when my friend got into an accident here in San Antonio because he didn’t know what to do even though it wasn’t his fault. If the same thing happens to me, how do I file for a car insurance claim?

Mariz

San Antonio, TX

In case you get into an accident and suffer injuries, you would have to file a claim on your car insurance in San Antonio. If you are not the one who was at-fault, you could file an insurance claim against the driver who caused the accident.

At the accident site, you have to make sure that you call the police and let them write an accident report. Don’t forget to make a note of the name of the other driver, his/her contact number, address and the information about his car insurance in San Antonio. If you have a camera or even a camera phone with you, take pictures of the scene of the accident. Also, to make a record of your injuries and make sure you are checked up, you can visit the nearest hospital or clinic.

So that your claim would have all its luck to succeed, you have to inform your car insurance company in San Antonio about the accident. You would also have to prove that the other driver was at-fault during the accident. To do this, you have to determine what law the other person violated that brought about the accident. If you have done this, the claim would be filed against the other driver liable for making the accident happen.

Tags: car insurance, car insurance claim

Buy SR22 Insurance In Texas

Reader’s Question:

Why does my father have to buy SR22 insurance here in Texas as part of his car insurance? Please help me because I don’t really understand what this SR22 insurance is for.

Shane

Beaumont, TX

A lot of motorists are being required to buy SR22 insurance for numerous reasons. In Texas, SR22 is a form that proves to the Department of Public Safety (DPS) that a person has car insurance. In case a person has been caught driving without insurance, he/she will be asked to buy SR22 insurance. Also, if a person got convicted for Driving While Intoxicated (DWI), he/she will be required to buy SR22 insurance. Don’t feel that it’s a total disaster if your father has to buy SR22 insurance, but it makes harder for him to get car insurance and he would most likely pay more than most motorists.

The insurance company would normally add a particular amount to the car insurance policy if a person is required to buy SR22 insurance. You father will be considered as high risk by insurance companies so he would have to spend more for his coverage. If you feel that this is unfair, just think that your father committed a mistake and have to go through it for a certain period. If he will buy SR22 insurance, this will guarantee that he has car insurance and it will give protection for automobiles and properties. Many people are having economic problems in case an accident is caused by someone who doesn’t have insurance. So with SR22 as part of car insurance, motorists would feel the security they need against those who don’t have insurance.

Tags: car insurance, car insurance company, car insurance policy, DWI, SR22 insurance

DUI Insurance

Reader’s Question:

How does a DUI case affect my car insurance rates here in Texas?

Jill

Irving, TX

Good question. Having a Drunk Driving case, or more formally known as Driving Under the Influence (DUI)/ Driving While Intoxicated (DWI), or more recently, Operating a Vehicle Under the Influence (OVI), is a very serious offense against your driving record. This can lead to two things car insurance wise depending on the actual nature or gravity of your offense: 1.) You’re car insurance company, upon learning of your DUI, may increase your rates significantly. 2.) You’re car insurance company may decide to terminate or cancel your insurance coverage because your risk as a driver has become too high.

Surprisingly, you may not even notice any changes on your policy at the moment, since car insurance companies only check your record or review your policy generally every one to two years. Regardless, its important to be prepared to get a suitable DUI insurance once you do end up losing your coverage there in Texas, or if your rates become prohibitively expensive.

Here are a few tips to help you out:

1.Know how to get an SR-22 which is simply a form submitted to your state DMV (Department of Motor Vehicles) that confirms you have adequate insurance coverage to be allowed to operate a vehicle again.
2.Take defensive driving classes.
3.The easiest way to shop for the best kind of DUI insurance is to begin online. You can use the free DUI insurance quote tool on this website to help you find and compare the most affordable DUI insurance policies available.

Car Insurance In San Antonio

Reader’s Question:

Aside from the minimum requirements for car insurance here in San Antonio, Texas, what other types of coverage can I purchase? And by the way, I haven’t finished paying the loan on the car that I got.

Haidee

San Antonio, TX

It may be wise to add some other types of coverage for your car insurance in San Antonio. It’s fairly an economical way to protect your well-deserved properties in case you cause an accident. Think about for a second what you possess and the amount of effort you have exerted to get them. Then, reflect about what you would feel if you need to sell them because you have to pay for somebody else’s medical bills. You know that you’re accountable for the damages incurred on the accident, so it may be better to get higher coverage for your car insurance in San Antonio. A lot of us wouldn’t like to pay more for car insurance but in case of an accident, they would be thankful that they are ready.

For your car insurance in San Antonio, you may want to get collision coverage that would pay for the damages on your car caused by other vehicles or properties. Comprehensive coverage is another alternative and this will pay for the damages on your vehicle caused by natural disasters and theft.

Since you haven’t finished paying the loan on your car, you may consider getting Gap insurance together with the liability coverage on your car insurance in San Antonio. Gap insurance pays the difference between the fair-market value and the balance you owe on your car if it is declared as total loss in an accident. Because of that, you’re not liable for paying the balance on the car you no longer own.

Tags: car insurance, collision coverage, comprehensive coverage, gap insurance

Automobile Insurance Texas TX

Reader’s Question:

I heard from one of my colleagues when I moved in here in Texas that there is a difference in the car insurance requirement here and the other states. Can you please enlighten me with these requirements here in Texas with regards to car insurance?

Kendra

Austin, TX

Texas has a different requirement with their car insurances if you came from a No-Fault state. The difference here in Texas is that the driver who had caused the accident should be able to pay the injuries of the person or the damages that have been incurred on the car. And with this situation it only needs a simple solution.

Drivers in Texas usually avail Liability Insurance in which it covers the payment for the repair or replacement of the car of the other driver together with the medical expenses of the other driver though it will not include your own medical expenses and payment for the repair or replacement of your own car. You must have at least the minimum amount of Liability Coverage in your car insurance that the State of Texas has required, for if you will not be able to pay everything that you have incurred to the other driver, you might be sued and could ask for more than it is intended. With everything around us going high, you would expect that medical bills and repairs are still low. Thus, it is highly recommended to everyone to avail higher than the minimum coverage to make things easier in case of accidents.

Tags: auto insurance, no-fault insurance

Classic Car Insurance Texas TX

Reader’s Question:

I’m looking at the market for my classic car insurance here in Texas. What are the things that I have to take into consideration when buying my classic car insurance?

Marcus

Laredo, TX

Since you drive a classic car in Texas, you should give extra considerations on a number of things when buying car insurance. These include:

Vehicle Usage
Generally, classic cars are hardly driven on the road. The yearly driven miles for these kinds of automobiles normally scale from 1,000 to 5,000 miles so the car insurance coverage must show that limited operation.

Vehicle Storage
Classic car insurance providers usually persist that these types of automobiles should be put in storage in completely covered, protected garage if it is not in use.

Vehicle valuation
An “agreed-value” policy would be better than “stated-value” policy. Agreed-value policy gives assurance that the car insurance provider would pay the policyholder the whole amount reflected in the policy, minus the deductible, in case the classic car is totaled. On the other hand, stated-value policy is likely amenable to analysis of the value of the car in case of an insurance claim.

Vehicle condition
Car insurance providers rather give coverage to automobiles that are in outstanding form and classic car insurance providers could refuse to insure vehicles that seem to be worn or that have suffered damage.

A number of classic car insurance providers would like to be aware if there are spare parts available in case the classic vehicle is damaged and if there are car repair shops capable of fixing older automobiles in your area.

Tags: car insurance, classic car

Senior Car Insurance Texas TX

Reader’s Question:

I have been arguing with my father, who is a senior citizen, when he asks his car insurance agent to drop his collision and comprehensive coverage. Is my father still going to be protected here in Texas without it? And isn’t it as a senior citizen, he should get discount in any coverage he would be including?

Laura

Brazosport, TX

Senior Citizens have the right to have discounts which includes car insurance policies, but something you should is that most Car Insurance Companies increase car insurance rates when the senior citizen becomes 70 years of age since when a man becomes older and older their physical, hearing, eyesight, and reflexes starts to weaken. This makes the driver risky and car insurance rates higher even if the driver is privileged to have discounts.

As for the Collision and Comprehensive Coverage, once a driver dropped this coverage, he should have enough money to buy for a new car in case an accident occurs for if you drop this coverage you will not have the coverage to have your car fixed. Having only liability insurance might not be enough in case of any accident that my cause you a lawsuit and the petitioner might come after your asset. That it is why it is advisable for a senior citizen to get a high limit of liability here in Texas. You should know that even if the senior citizen is too old to drive but still driving carefully, the insurer are not going to take the risk for statistically speaking too old senior citizens are most likely to get an accident.

Tags: car insurance, collision coverage, comprehensive coverage, senior car insurance

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