Cheaper Car Insurance Ramapo New York NY

Reader’s Question:

I went online the other day and found out that there is an insurance company that can offer the same coverage that I have but cheaper than what I pay for my insurance here in Ramapo, New York. Can I mention that to my current provider so that they can lower my rates?

Princess

Ramapo, NY

Some car insurance providers may charge more than the others for practically the same insurance policy. Car insurance insiders have knowledge that rate quotes may vary as much as 200 to 300 percent between several insurance companies. If you have an existing car insurance policy in Ramapo, New York and found out that there is an insurance company that can offer the same coverage for a lesser price, do not think twice on informing your current car insurance provider about that. Most likely, they can offer you a premium to match the competition instead of losing you as a valued customer.

There is also another way to be able to save money on your car insurance by increasing your deductible. If you get into an accident, the amount you would have to shoulder would be more than if you have lower deductible but you can be able to save some cash on your monthly dues. Be sure that you get different quotes from several companies to get the most affordable and dependable car insurance.

Tags: car insurance, car insurance company, car insurance quotes, cheap auto insurance

Female Student Auto Insurance Irondequoit New York NY

Reader’s Question:

What advice can you give me in seeking for female auto insurance to give me coverage? I am a student here in Irondequoit, New York and I wanna know if there is something different for female student auto insurance.

Kaleigh

Irondequoit, NY

When you seek for female student auto insurance in Irondequoit, New York, it would be necessary that you choose an auto insurance company that could offer the best value for their service. Choose the one that weld take into consideration your gender as well as your status of being a student who may be able to have unusual driving habits. The leaders in providing car insurance for young people often understand their clients as much as possible. Without this understanding, it is impossible for them to provide great quality of service.

Auto insurance providers know that female motorists are part of lower risk group than their male counterparts. You could be tired of handing out a large amount of money like any other student. Female student auto insurance would definitely give you peace of mind while you’re on the road. Get the affordable auto insurance right for you from this website by obtaining a free quote.

Tags: auto insurance, auto insurance quotes, female car insurance, student car insurance

Teen Car Insurance Bronx New York NY

Reader’s Question:

I have three cars insured under my car insurance policy. My teenage daughter got a DWI in Bronx, New York and I wanna know if she needs to get her own insurance after this. How much increase would I have on my premium rates if she stays on the policy?

Carmen

Bronx, NY

It would be a personal decision between you and your teenage daughter whether or not she gets her own car insurance policy after she has been charged with DWI in Bronx, New York. If she owns a car, then this may be an option. But if she doesn’t, she may have to stay on your car insurance policy in order to driver your cars. All of these could also depend on the car insurance provider’s guidelines.

Your car insurance provider’s rating system would determine how much your rates can rise because of your daughter’s DWI offense. Since the rating systems vary among car insurance providers, you would have to talk with your insurance agent to see what the rate increase could be. Normally, a DWI conviction is considered as a serious risk by a lot of car insurance providers and therefore, her premiums would probably reflect this. The insurance agent could also help you check if you can exclude your daughter from your car insurance policy.

Tags: car insurance, car insurance policy, car insurance rate, drunk driving insurance, DWI

Drunk Driving Insurance Staten Island New York NY

Reader’s Question:

My friend borrowed my car and he got into an accident caused by drunk driving here in Staten Island, New York. Will I be held liable for the damage and can I file a claim with my car insurance company.

Harry

Staten Island, NY

It is really very risky to loan someone your car, even if you trust the person because we’ll never know when accidents would happen. Since your friend borrowed your car and got into an accident in Staten Island, New York caused by drunk driving, you can file a claim with your car insurance company. You would have to pay any deductible that applies but the bad news is that your rates may go up as a result of your claim, especially if you have made other recent claims.

Let’s say you didn’t know that your friend was drunk driving, but it was still your own car, so you’ll be held responsible somehow. But if he took your car without permission take it, in most cases, you will not be held liable for the damage. If he is uninsured and caused damage that exceeds your policy limits, the injured party could come after you for property-damage and medical expenses. So next time, you have to think twice about having someone else drive your car.

Tags: auto insurance claims, car insurance, car insurance company, drunk driving insurance, DWI

Aggravated DWI Queens New York NY

Reader’s Question:

A friend of mine told me that his DWI case here in Queens, New York is an aggravated DWI. What can be considered an aggravated DWI in the state of New York?

Mariz

Queens, NY

Your friend must have a high blood alcohol content (BAC) that’s why he was charged with aggravated DWI in Queens, New York. Back in 2006, the state of New York passed a new law establishing an Aggravated DWI offense and this applies when the BAC is found to be 0.18% or higher. This aggravated DWI offense carries stiffer penalties, higher fines and the driver’s license consequences are more severe.

The most significant impact of the new law perhaps concerns plea bargaining. It is very common for a lawyer to get a Driving While Ability Impaired (DWAI) violation deal for someone charged with a DWI. DWI charge is a misdemeanor which is a crime while DWAI is only a violation, and is not considered a crime in the state of New York. It would be nearly impossible to get a plea deal to the DWAI violation with the aggravated DWI charge. The only offer would be a reduction to a misdemeanor DWI, and thus a criminal record.

Tags: drunk driving laws, DWI, DWI lawyer, DWI trial

DUI Traffic Stop Syracuse New York NY

Reader’s Question:

I have heard several cases about DUI here in Syracuse, New York that made me eager to know important information about it. Question is, how does a police officer begin a DUI investigation in a traffic stop?
Homer

Syracuse, NY

Normally, a DUI traffic stop and investigation begins when the police officer asks the driver to pull over for an alleged traffic violation. Examples of these traffic violations would be running a stop sign, weaving, speeding or some sort of vehicle defect. The police officer would claim that when he gets face to face with the driver, he immediately notices “objective symptoms of intoxication.” The so-called “objective symptoms of intoxication” include watery and bloodshot eyes, slurred speech, an odor of alcoholic beverage on the driver’s breath and a flushed face. The driver would often admit to having consumed some alcohol that day or evening.

The officer would then tell the driver to step out of the vehicle and perform a series of field sobriety tests (FST’s). Unknown to most drivers pulled over for DUI, the FST’s are voluntary. So in case, you find yourself in a DUI investigation in Syracuse, New York, you could politely decline to perform the FST’s. The officer could also have the driver blow into a handheld machine which would give a preliminary estimate of the driver’s blood alcohol level.

Tags: blood alcohol, DUI, DUI arrest, DUI lawyer, field sobriety tests

DUI Blood Alcohol Measurement Southampton New York NY

Reader’s Question:

Is it true that an alcoholic drink would take long to leave the body for women? What is the explanation behind that and how is the blood alcohol content being measured? I need to know these things to be knowledgeable in case I get arrested for DUI in Southampton, New York.

Korina

Southampton, NY

I certainly hope you don’t get arrested for DUI in Southampton, New York and it’s nice to know you still believe that knowledge is power, huh? Yes, it’s true that a woman’s body would take long for the alcohol to leave. The reason behind this is that women usually have lower water in their body and have higher percent of body fat than men. The fatter the person is, the longer the alcohol stays in the system.

The alcohol is absorbed through the stomach so when a person eats, the alcohol is absorbed into the food and has to go on to the intestinal track for absorption. This would take longer for the alcohol to be absorbed and it would also depend on how much the person drinks and how much the person eats. A small amount could be absorbed through the stomach, but most alcohol is absorbed through the intestines where it enters the blood stream and travels to the brain. This is how the blood alcohol content (BAC) is calculated and unfortunately gets a lot of drivers thrown into jail for DUI. Alcohol suppresses the system and impairs judgment, vision, coordination and increases drowsiness so simply don’t drink and drive.

Tags: blood alcohol content, DUI, DUI arrest, DUI lawyer

DUI Bail Bond Utica New York NY

Reader’s Question:

Hi, my name is Anne, I live in Utica, New York and my sister was recently charged here with DUI. She already posted bail and I just wonder, can her bail still be increased? What could happen to her if she fails to appear in court?

Anne

Utica, NY

After your sister has been released from jail for posting bail for her DUI charge in Utica, New York, the court in which the charge is pending may require her to give additional bail in an amount specified or to meet an additional condition upon a finding made in open court that she has failed to appear; or that additional facts have been presented that were not shown at the time of the original release order and the court could order her to commitment unless she gives such bail or meets such other conditions.

The court could issue a bench warrant for her apprehension and arrest her for the failure to appear upon the DUI charge, which would thus be a separate triable offense, separate and distinct from the original DUI charge. The appropriate agency would enter each bench warrant issued on a private surety-bonded felony case into the national warrant system or National Crime Information Center (NCIC).

Tags: bail bond, DUI, DUI lawyer, DUI trial

DWI Breath Alcohol Ramapo New York NY

Reader’s Question:

I got arrested for DWI in Ramapo, New York after I failed the breath test. I was told that there are certain non-alcoholic compounds that can affect the breath test results. What are these compounds and how do they affect the breath test results in a DWI case?

Anthony

Ramapo, NY

As expected, breath testing machines have flaws in analyzing the breath of a person suspected for DWI. These machines are not very reliable and could be thoroughly attacked by a DWI defense lawyer who is fully aware of the weaknesses of these breath test machines. So you must educate yourself of the flaws of the breath test machines so that you can use it as defense on your DWI case in Ramapo, New York.

Aside from identifying ethanol or ethyl alcohol, DWI breath alcohol testing machines detect non-alcoholic compounds as well. These non-alcohol compounds are frequently mistaken for alcohol. Some of the compounds that are commonly mistaken for alcohol are toluene, acetonitrile, ethylene, isopropanol, diethyl ether and nitrous oxide. The occurrence of any of these non-alcoholic compounds in the DWI suspect’s lung tissue would likely cause false, or falsely high, blood alcohol content (BAC) reading. It has been found that people frequently ingest these kinds of compounds at work or in other environments where the chemicals are present.

 

Tags: blood alcohol content, breath test, DWI, DWI arrest, DWI lawyer

DUI Field Sobriety Tests Levittown New York NY

Reader’s Question:

It seems that police officers in Levittown, New York are conducting field sobriety tests on a driver whom he feels that is under the influence. Are all kinds of field sobriety tests considered as indicators of intoxication?

Dakota

Levittown, NY

There are two types of field sobriety tests that police officers in Levittown, New York ask a person suspected of DUI to do- standardized and non-standardized. There are three standardized tests that are recognized by the National Highway Transportation Safety Administration (NHTSA) and there are also non-standardized tests that are not recognized by the NHTSA but are still used by police officers. Some examples of non-standardized tests include the numbers backward test, finger-to-nose test, coin tricks, Rhomberg balance test, finger tap test, ABCs and hand pat test. These non-standardized tests are considered unreliable indicators of alcohol impairment.

If a driver is asked to do any of the non-standardized tests, it can be successfully challenged in court because these tests are not recognized as accurate indicators of intoxication. Although the non-standardized tests are also designed to measure physical and mental impairment from alcohol use, a lot of these signs could be traced to physical problems other than alcohol.

Tags: DUI, DUI arrest, DUI lawyer, field sobriety tests

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