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Louisiana State Car Insurance Information
General Louisiana Insurance Guidelines
The State of Louisiana currently requires that all drivers be covered
under liability insurance with coverage level based on the weight of
their vehicle.
Proof of insurance must always be accessible in the vehicle.
Louisiana drivers are required to show their insurance info when stopped
for a traffic violation.
Minimum Liability Coverage in Louisiana
The State of Louisiana minimum liability amounts are as follows:
$10,000 bodily injury per person.
$20,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Louisiana are:
Plates taken and 3 days to present proof to OMV
If cannot, plates destroyed and need to re-register vehicle
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Louisiana
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Louisiana is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Louisiana does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Louisiana
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Louisiana requires
an SR-22 filing for driver’s license reinstatement.
Louisiana DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Louisiana are:
Up to 6 months imprisonment
$1000 fine
90 day license suspension
6 month license suspension of driver under 21
Additional Information on Insurance for Louisiana
For more information, please contact Louisiana Department of Insurance:
1-800-259-5300 or visit their website at www.ldi.state.la.us/.
Kentucky State Car Insurance Information
General Kentucky Insurance Guidelines
The State of Kentucky currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Kentucky drivers are required to show their insurance info when stopped for a traffic violation or when registering a vehicle.
Minimum Liability Coverage in Kentucky
The State of Kentucky minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Kentucky are:
Registration revoked
If caught driving, $500-$1000 fine and 90 days in jail, or both, plus suspension of plates
Put in "high-risk" category by insurance company and premiums may go up
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Kentucky
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Kentucky is a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Kentucky requires
drivers to purchase PIP insurance.
The minimum PIP coverage amounts for Kentucky are
SR-22 Requirements for Kentucky
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Kentucky does not require
an SR-22 filing for driver’s license reinstatement.
Kentucky DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Kentucky are:
Imprisoned up to 6 months
$500 - $1,500 fine
Mandatory 4 day imprisonment for aggravated DUI
30 - 120 day license suspension
90 day alcohol or drug treatment program
48 hrs to 30 days community service
Additional Information on Insurance for Kentucky
For more information, please contact Kentucky Department of Insurance:
1-502-564-3630 or visit their website at www.insurance.ky.gov.
Kansas State Car Insurance Information
General Kansas Insurance Guidelines
The State of Kansas currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Kansas
The State of Kansas minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Kansas
requires UM/UIM coverage.
The minimum UM/UIM coverage amounts for Kansas
are $25,000 per person and $50,000 per accident minimum.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Kansas is a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations
requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost
wages and/or other
damages. Kansas requires
drivers to purchase PIP insurance.
The minimum PIP coverage amounts for Kansas are
<ul><li>$4,500 medical expenses per
person</li><li>$900 lost income per month for 1
yr</li><li>$25 for in-home services per
day</li><li>$2,000 for funeral, burial or cremation
expenses</li><li>$4,500 for rehab
expenses</li><li>Survivor Benefits: Disability/loss of
income up to $900/month for 1 yr</li><li>In-home services up
to $25/day for 1 yr</li></ul>
SR-22 Requirements for Kansas
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Kansas requires
an SR-22 filing for driver’s license reinstatement.
Kansas DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Kansas are:
Minimum 2 days imprisonment or 100 hrs community service
$500 - $1,000 fine
30 day license suspension
330 day license restriction after suspension
Possible vehicle impoundment up to 1 yr
Possible court-ordered treatment possible
Additional Information on Insurance for Kansas
For more information, please contact Kansas Insurance Department: 1-785-296-3071 or visit their website at www.kinsurance.org.
Indiana State Car Insurance Information
General Indiana Insurance Guidelines
The State of Indiana currently requires that all drivers be covered
under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Indiana drivers are required to show their insurance info when involved
in an accident. If the insurance company doesn't provide proof after
the accident, the driver has 40 days to have an agent complete and
submit a certificate to the BMV.
Minimum Liability Coverage in Indiana
The State of Indiana minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Indiana
requires UM/UIM coverage.
The minimum UM/UIM coverage amounts for Indiana
are $50,000 minimum.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Indiana is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Indiana does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Indiana
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Indiana requires
an SR-22 filing for driver’s license reinstatement.
Indiana DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Indiana are:
30 - 60 days imprisonment or up to 1 yr if BAC >= 0.15%
Up to $500 or up to $5000 if BAC >= 0.15%
Up to 2 yr license suspension
Possible ignition interlock device
Possible community service
Possible attendance to a victim impact panel
Possible substance abuse education
Possible urine testing
Additional Information on Insurance for Indiana
For more information, please contact Indiana Department of Insurance: 1-800-622-4461 or visit their website at www.in.gov/idoi/.
Illinois State Car Insurance Information
General Illinois Insurance Guidelines
The State of Illinois currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Illinois
The State of Illinois minimum liability amounts are as follows:
$20,000 bodily injury per person.
$40,000 total bodily injury per accident.
$15,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Illinois are:
$500 minimum fine
$1,000 for driving with suspended registration
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Illinois
requires UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Illinois is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Illinois does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Illinois
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Illinois does not require
an SR-22 filing for driver’s license reinstatement.
Illinois DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Illinois are:
Up to 1 yr imprisonment, + 6 months if child under 16 in vehicle
Fine up to $2,500, additional $500+ if BAC is 0.16% +, additional $1000+ if child under 16 in vehicle
1 yr minimum license suspension
Ignition interlock device possible
Vehicle registration suspension
100 hrs minimum community service if BAC 0.16% +
25 days community service if child under 16 in vehicle
Additional Information on Insurance for Illinois
For more information, please contact Illinois Department of Insurance:
1-866-445-5364 or visit their website at www.insurance.illinois.gov.
Idaho State Car Insurance Information
General Idaho Insurance Guidelines
The State of Idaho currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Idaho
The State of Idaho minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$15,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Idaho
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Idaho is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Idaho does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Idaho
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Idaho requires
an SR-22 filing for driver’s license reinstatement.
Idaho DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Idaho are:
Up to 6 months imprisonment
Up to $1,000 fine
90 - 180 days license suspension
Restricted license possible after 30 days
Alcohol evaluation and treatment possible
Additional Information on Insurance for Idaho
For more information, please contact Idaho Department of Insurance: 1-208-334-4250 or visit their website at www.doi.idaho.gov/.
Iowa State Car Insurance Information
General Iowa Insurance Guidelines
The State of Iowa currently requires that all drivers be covered under
liability insurance.
Proof of insurance must always be accessible in the vehicle.
Iowa drivers are required to show their insurance info when involved in
an accident. A report must be filed with the Office of Driver Services
within 72 hrs if there were injuries or damage was over $1000.
Minimum Liability Coverage in Iowa
The State of Iowa minimum liability amounts are as follows:
$20,000 bodily injury per person.
$40,000 total bodily injury per accident.
$15,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Iowa
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Iowa is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Iowa does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Iowa
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Iowa requires
an SR-22 filing for driver’s license reinstatement.
Iowa DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Iowa are:
Minimum 2 days to 1 yr imprisonment
$625 - $1,250 fine
180 day license suspension
Restricted license possible if BAC under 0.10%, not if 0.10% and above
Ignition interlock device required if BAC is 0.10% +
Possible substance abuse evaluation and treatment
Possible substance abuse reality program
Possible attendance to drinking drivers course
Possible community service
Additional Information on Insurance for Iowa
For more information, please contact Iowa Insurance Division: 1-877-955-1212 or visit their website at www.iid.state.ia.us/.
Hawaii State Car Insurance Information
General Hawaii Insurance Guidelines
The State of Hawaii currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Hawaii
The State of Hawaii minimum liability amounts are as follows:
$20,000 bodily injury per person.
$40,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Hawaii are:
Must surrender registration certificate and plates to county director of finance
Minimum $500 fine for first offense
+4 Points on Motor Vehicle Record
Second offense minimum $1000 fine and 4 month license suspension
Third violation is $1000 fine, 8 month license suspension and up to 40 hours community service
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Hawaii
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be
reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement
through the court system for losses caused by
other parties. Hawaii is a
“No-Fault” state. There is also a $5,000 monetary threshold for no-fault
insurance. If medical care costs exceed $5,000, the victim can sue for
damages.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Hawaii requires
drivers to purchase PIP insurance.
The minimum PIP coverage amounts for Hawaii are $10,000.00
SR-22 Requirements for Hawaii
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Hawaii requires
an SR-22 filing for driver’s license reinstatement.
Hawaii DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Hawaii are:
2 - 5 days imprisonment + 2 more days if minor under 15 in vehicle
$150 - $1,000 fine + $500 if minor under 15 in vehicle
90 day prompt license suspension (driving may be allowed)
30 day prompy license suspension (driving limited to court approval)
6 month license suspension in BAC above 0.15%
$25 - $50 special trauma fund surcharge
72 hrs community service
Successful completion of court ordered substance abuse education program
Additional Information on Insurance for Hawaii
For more information, please contact Hawaii Department of Commerce and
Consumer Affairs: 1-808-586-2790 or visit their website at
www.hawaii.gov/dcca/ins.
Georgia State Car Insurance Information
General Georgia Insurance Guidelines
The State of Georgia currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Georgia
The State of Georgia minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$25,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Georgia
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Georgia is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Georgia does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Georgia
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Georgia requires
an SR-22 filing for driver’s license reinstatement.
Georgia DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Georgia are:
10 days to 1 year imprisonment
$300 - $1000 fine
Up to 1 yr license suspension
Minimum 40 hrs community service
$210 license reinstatement fee
Additional Information on Insurance for Georgia
For more information, please contact Georgia Office of Insurance and
Fire Commissioner: 1-404-656-2070 or visit their website at
www.gainsurance.org/.
Florida State Car Insurance Information
General Florida Insurance Guidelines
The State of Florida currently requires that all drivers be covered
under property damage liability and no-fault auto insurance.
Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Florida
The State of Florida minimum liability amounts are as follows:
0:(recommended minimum - $10,000) bodily injury per person.
0:(recommended minimum - $20,000) total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Florida are:
Department of Highway Safety and Motor Vehicles will suspend license, vehicle tag and registration
Reinstatement fees of $150, $250 and $500
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Florida
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Florida is a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations
requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost
wages and/or other
damages. Florida requires
drivers to purchase PIP insurance.
The minimum PIP coverage amounts for Florida are $10,000. (Standard
coverage: 80% medical expenses, 60% lost wages, 100% replacement
services such as child care, housekeeping or yard work, up to $5,000 for
death benefits)
SR-22 Requirements for Florida
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Florida requires
an SR-22 filing for driver’s license reinstatement.
Florida DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Florida are:
6 month imprisonment if BAC between 0.08% - 0.15%
9 months imprisonment if BAC is above 0.15%
$500 - $1000 fine if BAC between 0.08% and 0.15%
$1000 - $2000 fine if BAC above 0.15%
180 days to 1 yr license suspension
Hardship reinstatement after successful completion of DUI school
Ignition interlock device required for 6 months
Up to 50 hrs community service
Community service $10 for each hr served
Treatment may be sought in lieu of prison
10 day vehicle impound
If found guilty or plead no contest need higher minimum liability
insurance: $100,00 to cover 1 person injured or killed in 1 crash,
$300,000 to cover 2 or more persons injured or killed in 1 crash,
$50,000 property damage liability.
You may opt to post a bond/certificate of $350,000 instead, but must
maintain extra coverage for 3 years. If driving record stays clean you
can return to standard insurance level.
Additional Information on Insurance for Florida
For more information, please contact Florida Office of Insurance
Regulation: 1-850-413-3140 or visit their website at www.floir.com.
Delaware State Car Insurance Information
General Delaware Insurance Guidelines
The State of Delaware currently requires that all drivers under the same
roof be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Delaware drivers are required to show their insurance info when involved
in an accident, pulled over, or registering their vehicle.
Minimum Liability Coverage in Delaware
The State of Delaware minimum liability amounts are as follows:
$15,000 bodily injury per person.
$30,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Delaware are:
License suspension, fines up to $1,500 for first offense
Second offense fines up to $3,000
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Delaware
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Delaware is a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations
requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost
wages and/or other
damages. Delaware requires
drivers to purchase PIP insurance.
The minimum PIP coverage amounts for Delaware are $15,000 for bodily
injury to any person, $30,000 for bodily injuries to all persons
involved in a single accident, no more than $15,000 per person and
$5,000 for funeral expenses.
SR-22 Requirements for Delaware
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Delaware does not require
an SR-22 filing for driver’s license reinstatement.
Delaware DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Delaware are:
For more information, please contact Delaware Department of Insurance:
1-302-674-7300 or visit their website at www.delawareinsurance.gov.
District of Columbia State Car Insurance Information
General District of Columbia Insurance Guidelines
The State of District of Columbia currently requires that all drivers be
covered under liability insurance and must have an active Washington,
DC insurance policy.
Proof of insurance must always be accessible in the vehicle.
District of Columbia drivers are required to show their insurance info
when pulled over or involved in an accident.
Minimum Liability Coverage in District of Columbia
The State of District of Columbia minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in District of Columbia are:
Citation by MPD
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured
motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have
auto insurance. District of Columbia
requires UM/UIM coverage.
The minimum UM/UIM coverage amounts for District of Columbia
are $25,000 per person uninsured motorist bodily injury. $50,000 per
accident uninsured motorist coverage. $5,000 in uninsured motorist
property damage coverage (subject to $200 deductible).
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. District of Columbia is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. District of Columbia does not require
drivers to purchase PIP insurance.
SR-22 Requirements for District of Columbia
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. District of Columbia requires
an SR-22 filing for driver’s license reinstatement.
District of Columbia DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for District of Columbia are:
90 days maximum jail time
$300 - $1,000 fine
6 month license suspension
Additional Information on Insurance for District of Columbia
For more information, please contact District of Columbia Department of
Insurance and Securities Regulation: 1-202-727-8000 or visit their
website at www.disb.dc.gov.
Connecticut State Car Insurance Information
General Connecticut Insurance Guidelines
The State of Connecticut currently requires that all drivers be covered
under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Connecticut drivers are required to show their insurance info when
stopped for a traffic violation or when registering a vehicle.
Minimum Liability Coverage in Connecticut
The State of Connecticut minimum liability amounts are as follows:
$20,000 bodily injury per person.
$40,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Connecticut are:
Citation and $200 fine
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Connecticut
requires UM/UIM coverage.
The minimum UM/UIM coverage amounts for Connecticut
are $20,000 per person up to $40,000 per accident for any bodily injury.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Connecticut is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Connecticut does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Connecticut
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Connecticut requires
an SR-22 filing for driver’s license reinstatement.
Connecticut DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Connecticut are:
48 hrs to 6 months imprisonment
$500 - $1000 fine
1 yr license suspension
Successful completion of substance abuse program
Vehicle towed and impounded for 48 hours
Additional Information on Insurance for Connecticut
For more information, please contact Connecticut Insurance Department: 1-860-297-3800 or visit their website at www.ct.gov/cid.
Colorado State Car Insurance Information
General Colorado Insurance Guidelines
The State of Colorado currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Colorado
The State of Colorado minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$15,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Colorado are:
Minimum $500 fine for first offense
+4 Points on Motor Vehicle Record
Second offense minimum $1000 fine and 4 month license suspension
Third violation is $1000 fine, 8 month license suspension and up to 40 hours community service
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Colorado
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Colorado is a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Colorado does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Colorado
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Colorado requires
an SR-22 filing for driver’s license reinstatement.
Colorado DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Colorado are:
5 days to 1 year imprisonment
$600 - $1000 fine
9-month license suspension
12 license points
48 to 96 hrs community service
Jail time may be waived in lieu of substance abuse program
Additional Information on Insurance for Colorado
For more information, please contact Colorado DORA Department of
Insurance: 1-303-894-7490 or visit their website at
www.dora.state.co.us/insurance.
California State Car Insurance Information
General California Insurance Guidelines
The State of California currently requires that all drivers be covered
under liability insurance.
Proof of insurance must always be accessible in the vehicle.
California drivers are required to show their insurance info when
requested by an officer, renewing their registration, involved in an
accident, within 30 days of registering a new vehicle, or 45 days of the
cancellation of a policy for a currently registered vehicle.
Minimum Liability Coverage in California
The State of California minimum liability amounts are as follows:
$15,000 bodily injury per person.
$30,000 total bodily injury per accident.
$5,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in California are:
Suspension of driving privileges and registration
Citations, vehicle impounded and held personally responsible for any damages
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. California
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. California is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. California does not require
drivers to purchase PIP insurance.
SR-22 Requirements for California
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. California requires
an SR-22 filing for driver’s license reinstatement.
California DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for California are:
4 days to 6 months imprisonment
$390 - $1000 fine
6-month license suspension
Possible court-ordered installation ignition interlock device at offenders expense
Successful completion of Driving Under the Influence Program
Additional Information on Insurance for California
For more information, please contact California Department of Insurance:
1-800-927-HELP or visit their website at www.insurance.ca.gov.
Arizona State Car Insurance Information
General Arizona Insurance Guidelines
The State of Arizona currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Arizona drivers are required to show their insurance info when pulled over or involved in an accident.
Minimum Liability Coverage in Arizona
The State of Arizona minimum liability amounts are as follows:
$15,000 bodily injury per person.
$30,000 total bodily injury per accident.
$10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Arizona are:
Possible Vehicle registration or license suspension
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Arizona
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Arizona is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Arizona does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Arizona
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Arizona requires
an SR-22 filing for driver’s license reinstatement.
Arizona DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Arizona are:
$250 DUI Base Fine
$200 Arizona DUI Surcharge
$10 Probation Surcharge
$500 Prison Construction Assessment
$500 Arizona Xtra DUI Assessment
1 to 10 days imprisonment
90-360 day license suspension
Possible court-ordered installation ignition interlock device at offenders expense
Additional Information on Insurance for Arizona
For more information, please contact Arizona Division of Insurance: 1-602-364-3100 or visit their website at www.id.statr.az.us.
Arkansas State Car Insurance Information
General Arkansas Insurance Guidelines
The State of Arkansas currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Arkansas
The State of Arkansas minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$25,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Arkansas are:
Suspension of vehicle registration
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Arkansas
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Arkansas is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Arkansas does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Arkansas
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Arkansas requires
an SR-22 filing for driver’s license reinstatement.
Arkansas DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Arkansas are:
1 day to 1 year imprisonment or community service
7 days to 1 year imprisonment if anyone under 16 in vehicle
$150 - $1000 fine
6-month license suspension
Possible court ordered installation ignition interlock device at offenders expense
Completion of substance abuse program
Attendence of victim impact panel
Additional Information on Insurance for Arkansas
For more information, please contact Arkansas Insurance Department:
1-501-371-2600 or visit their website at www.insurance.arkansas.gov.
Alabama State Car Insurance Information
General Alabama Insurance Guidelines
The State of Alabama currently requires that all drivers be covered
under liability insurance. Coverage from a cash deposit >= $50,000 or
a vehicle liability bond filed with the DMV are valid alternates.
Proof of insurance must always be accessible in the vehicle.
Alabama drivers are required to show their insurance info when involved
in an accident, pulled over, or registering their vehicle.
Minimum Liability Coverage in Alabama
The State of Alabama minimum liability amounts are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$25,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Alabama are:
Suspended license and fines up to $500 even for first offense
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Alabama
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be
reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement
through the court system for losses caused by
other parties. Alabama is not a
“No-Fault” state. The driver at fault is required to pay for the
victim's medical expenses and the victim may pursue compensation for
lost wages from missing work and pain/suffering.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Alabama does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Alabama
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Alabama requires
an SR-22 filing for driver’s license reinstatement.
Alabama DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Alabama are:
Privileges revoked immediately for next 90 days
Possible fines/jail time
Additional Information on Insurance for Alabama
For more information, please contact Alabama Department of Insurance: 1-334-269-3550 or visit their website at www.aldoi.gov.
Alaska State Car Insurance Information
General Alaska Insurance Guidelines
The State of Alaska currently requires that all drivers be covered under
liability insurance.
Proof of insurance must always be accessible in the vehicle.
Alaska drivers are required to show their insurance info when involved
in an accident resulting in bodily injury, death or property damage >
$501.
Minimum Liability Coverage in Alaska
The State of Alaska minimum liability amounts are as follows:
$50,000 bodily injury per person.
$100,000 total bodily injury per accident.
$25,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting
more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing
costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their
policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Alaska are:
License suspension
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a
driver if they get in an accident where the other party does not have auto insurance. Alaska
does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without
proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by
other parties. Alaska is not a
“No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This
is an extension of auto insurance that covers medical expenses, lost wages and/or other
damages. Alaska does not require
drivers to purchase PIP insurance.
SR-22 Requirements for Alaska
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver
has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to
reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without
insurance. Alaska requires
an SR-22 filing for driver’s license reinstatement.
Alaska DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08%
or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a
field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a
law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to
comply. If BAC is determined to be above the legal level a driver will be penalized in various ways.
The first DUI offense penalties for Alaska are:
Imprisonment 72 hrs minimum
$1,500 fine. 90-day suspension
Additional Information on Insurance for Alaska
For more information, please contact Alaska Division of Insurance:
1-907-465-2515 or visit their website at
www.commerce.state.ak.us/insurance/.