The two distinguishing features of FR44 car insurance are its higher liability limits and its exclusivity for DWI / DUI drivers. Currently only Florida and Virginia are utilizing this format in their latest efforts to curb drinking and driving. It is a program that enjoys widespread support there, and will likely be adopted by other states. When it comes to insurance, other states do not make a distinction between high risk driver groups as they mandate SR22 car insurance for all of them. Texas leads the nation in drunken driving crashes and fatalities. Texas law enforcement has an equally impressive record of DWI arrests and citations issued. However, It is fairly commonplace everywhere to be pulled over as many states and municipalities vigorously seek out those who drink and drive. Issuing citations and prosecuting these drivers has become big business for municipalities, lawyers, insurance companies, and others. Nevertheless, enforcement is widely supported as roadways inevitably become safer from this activity. Many states may soon consider mandating increased liability limits for their DWI / DUI drivers just as Florida and Virginia have done via FR44 insurance. A DUI convicted driver in Florida must obtain a car insurance policy with liability limits of 100/300/50 and submit proof via the FR44 certificate filing. Formerly the DUI driver in Florida only had to carry limits of 10/20/10 as evidenced by their SR22 insurance filing. In Virginia the FR44 liability limits of 50/100/40 for their DUI drivers are double required by the SR22 policy. For several key reasons the FR44 car insurance policy has been an excellent development in Florida and Virginia. First of all, the increased liability limits is an excellent community wide benefit as more insurance coverage means more protection for an injured party. Secondly, the initial higher insurance premiums experienced by convicted drivers for the increased limits becomes a deterrent for repeating the offense. And, the increase in premiums along with other consequences endured by drunk drivers usually have an overall modifying effect on their driving habits. These drivers tend to be more careful and actually have fewer accidents and claims as evidenced by their low loss ratios. When our family owned insurance agency began to write an increased number of DUI policies we were concerned that our insurance carriers would find this objectionable. We were very pleased to find out that several of the companies were having good performance numbers with this risk class and were encouraging more policies. As time goes on these companies are competing more and more for DWI / DUI policies with lower rates. There are still plenty of companies that penalize these drivers with high rates and cancellations, so, shopping around after a citation is important and may be necessary. Car insurance is generally the last step before convicted drivers can reinstate their license and it is often the most dreaded. Thankfully for them, car insurance usually does not turn out to be the worst of their consequences. DUI policyholders in Florida and Virginia, upon subsequent renewals, begin to enjoy increasing discounts associated with having high liability limits. And good performance in this risk group from safer driving habits translate to improved insurance rates. In the long run these drivers actually are able to reduce their premiums while enjoying higher limits of coverage. And this is especially so as the DUI conviction begins to age, and its associated surcharge diminishes, and is eventually eliminated altogether. Many drivers, without a DUI conviction, do not have the foresight or discipline to maintain high liability limits which leads to discounts that reduce overall premiums. It is easy to see that the FR44 insurance policy is a winning scenario for all involved. The community at large enjoys a higher level of insurance protection for their citizens, the DWI or DUI policyholders eventually pay less for more coverage, and the insurance companies, lawyers, ticket clinics, etc... make a profit. And, Overtime, the safer driving habits of the DWI / DUI driver also translate to improved insurance rates. It seems to me that all states will benefit from the sensible FR44 insurance programs that I have experienced as an independent agent in Florida and Virginia. The entire staff at Florida Auto Plus Insurance is dedicated to helping DUI drivers through the Florida Fr44 insurance process. Our experience is evident the moment you call for a quote or need your questions answered. Florida Auto Plus Insurance provides competitive FR44 Florida auto insurance quotes.
A lawyer is an asset to the society. Lawyers or a lawyer has a huge role to play. He provides legal aid and legal guidance to the society in general. Also, it is his social responsibility. We need them at every wake of life. They are the vertebrae of our society. They not only provide us with legal advice but also act as advisors as and when required. There are two broad divisions of lawyers, criminal lawyers and civil lawyers. Whichever law they are practicing, they have to follow some ethics. It is said that we should not hide anything from the lawyers. So these people hear a lot of confessions from us. But they are bound by the oath of secrecy and should not misuse this information. On the other hand, they listen to the problems of their clients and then discuss every aspect of those problems. They also make the clients aware of their fundamental rights. There are many subdivisions to these two forms of law. There are employment lawyers, malpractice lawyers, traffic lawyers, divorce lawyers, fraud lawyers, bankruptcy lawyers, insurance lawyers, wrongful death lawyers, and lawyers who deal with drugs and environmental law and employment and child custody. So anybody who wants to take up this profession has a wide range of subjects to specialize in. Lawyers have the freedom of self-employment. They can enter government jobs or they can start practicing on their own. A survey in United States of America shows that around 27% of lawyers practice on their own. But this subject has a wide scope. With the ever-increasing population, the problems are also increasing at an alarming rate. Especially the rates of divorce have shoot up. Along with divorce, the problem of child custody has also taken a hike. Then there are disputes over property. Different companies also hire a lawyer or a train of lawyers to safeguard themselves. So there is no fear of going jobless even when there is financial recession throughout the world. The lawyers can work in partnership or they can start practicing on their own. Either way a self-employed lawyer can earn a lot if he has the necessary skill. The salaried lawyers usually work in local areas whereas the self-employed lawyers have the advantage to migrate to their chosen city and start practicing there. The keenness to relocate is always advantageous for this job; then the lawyer has to sit for an additional bar examination of that state. It is not difficult to begin a career as a lawyer. A person has to study law for three years from a law school and then needs to take a bar examination on the fourth year. The actual skill of a lawyer is tested when he is at the courtroom. He has to speak quickly yet clearly and with authority. He cannot have stage fright or fumble in the courtroom. If he can conduct himself smartly in the courtroom half of his battle is won. So if you think that you are smart, a pretty good talker and have confidence, foresight and a logical mind, then law might be your best career option.
Anyone who runs a business certainly does so with the intention of earning a profit. To earn profits, one has to know the proverbial ins and outs of the business quite well. This not only refers to the actual operation of the business, but also to its marketing, forecasting, and other components. Among these components are municipal law and insurance law. As this point, most entrepreneurs might be saying they are not lawyers and do not know anything about municipal and insurance law. That is fine. As long as the business owner has access to a good insurance or municipal law firm, then the true experts can help when serious matters do arise. Still, it would never hurt to become more than vaguely familiar with these areas of the law. Again, the goal of a business is to earn a profit. Legal issues that arise capable of undermining profit potential do have to be addressed and done so properly. If not, then a business could end up suffering losses it otherwise would and should not incur. Legal matters do have a tendency to catch business owners by surprise. Being well versed in areas related to the law just might speed up the ability to deal efficiently with a legal problem. Municipal law refers to legal matters related to the city or municipality the business is located. Legal issues here can range from election matters to taxes to zoning. A business owner that is facing a major fine for an improperly imposed zoning violation is an example of when it is advisable to seek out an experienced municipal lawyer. Insurance law likely is a subject more familiar to business owners. In some ways, that is good because the owners have acquired knowledge through procuring a policy capable of protecting them financially. There are other complexities associated with taking out a policy though. An insurance company may not wish to honor a claim or a business could end up being sued beyond its policy. Both instances necessitate a trip to an insurance law firm since the business could suffer immeasurably without legal representation. Municipal law and insurance law are two very complex legal areas. Businesses that might have questions regarding such laws are best served speaking with an experienced attorney. Setting up an appointment with a law firm dealing with both insurance and municipal law might be the best course of action to take. Have you been hurt on the job? Or maybe a family member has suffered a serious injury and it's not their fault? Or worse, maybe they're deceased as the result of the negligence of someone else. If so, chances are you already know that you need an injury lawyer. But maybe you just aren't quite sure about how you should go about finding one. Here are a few pointers to keep in mind as you begin your search. • Get moving right now-Injuries, illnesses, wrongful deaths... once they've occurred, the clock begins to tick and time starts to run out. The longer you wait, the less likely you are to receive the compensation you're entitled to. On the other hand, if you act now, you stand a fighting chance. And once you have a good injury lawyer on your side, he'll handle everything. And if you're the injured party, that means you'll be given the time you need to rest and recover. Physically, as well as emotionally. • Do your homework-When receiving any sort of service, you should have a little background knowledge on the providers first. This is especially important when dealing with something as important as a serious injury. So what should you look for when doing your "background check?" Well, first you want someone who has been practicing law for a long time, because if you can depend on one thing alone, it's experience. You also want someone who has a good track record. And what does a good track record look like? Well, it should be full of big name cases that they won. They should also have plenty of customer testimonials for you to read as proof of customer satisfaction. Where can you find this information? On their website. • Get your first meeting free-Once you've selected an attorney that meets the above criteria, give them a call and set up your initial evaluation. Remember, this should be free. If the injury lawyer wants to try and charge you for your consultation, don't go. He's money hungry and will only be out for his own best interests. Odds are money is tight for you while you deal with all the medical bills, so a lawyer who truly cares won't charge you a dime until he's actually worked on your case. • Get your story straight-Once you have your initial consultation set up, it's time to get your story straight. Sit down and write out everything. Exactly what happened in order, questions you might have, observations you've made-whatever. Just get all your thoughts out on paper and organized before you forget anything. Our minds have a way of tricking us. Also make sure you have any correspondence you've received from doctors, lawyers, insurance companies, the responsible party-anything case-related. Doing so will make sure that your first meeting with the injury lawyer goes smoothly.
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