My boyfriend is charged with DUI here in New Jersey. I know that’s worse but what makes it even worst is that it’s his second time for DUI charges. I don’t know what to do anymore. Can you tell me about penalties for second time offenders of DUI? I know his car insurance rates will balloon. Is there any way that we can perhaps get an affordable DUI insurance?

Len

Trenton, NJ

That’s what I call worse comes to worst. As to your question, the penalty for DUI charges who are second time offenders in New Jersey involves a fine of between $500 and $1,000. That’s not all, there’s also jail time for 30 days and license suspension between 7 months to 12 months.

Moreover, your boyfriend will also be required to get into a intoxicated driver resource center for six hours minimum per day for a period of two consecutive days. And unfortunately, there would be car insurance surcharge amounting to $1000 every year for a period of three years.

To help your boyfriend find affordable DUI insurance here are some things he can do:

• Get DUI insurance from a specialized car insurance company that handles DUI insurance.
• Commute as much as he can so he can lower his annual driving mileage.
• Choose the vehicle your boyfriend drives, he shouldn’t be driving an expensive car.
• Shop for DUI insurance quotes.
• Maintain good driving records.

Now that it’s your boyfriend’s second time to get DUI charges I’m hoping there wouldn’t be a third time. Hope you can help him improve his driving behaviors. Drive safe!

My husband had just moved to another company and he hears around that the company offers something like deduction in each employee’s car insurance. Is it legal here in New Jersey to change to the car insurers of the company?

Jean

East Orange, NJ

Getting the right car automobile is not hard in New Jersey. But as like all the citizens in different states around America, it is hard to be satisfied in what our automobile insurance has offered us. Changing in a different automobile insurance company is also not hard, what hard is to weigh the reasons why we are changing it.

One of the many reasons why one wants to change their car insurers is not something to do with our satisfaction which is when a driver had gotten a new job in a company who is qualified to a corporation deduction through another insurer that let the employee and the driver to get the same coverage but lesser money which is legal. Other drivers who want to change insurers just don’t seem satisfied with what their insurers can give them. They just need to shop around and if they are lucky enough to find one, the best thing they could do is to make a letter to your insurer stating the date when you would want it terminated or you can ask the new found agent, if they are allowed, to inform your insurer at present regarding the service exchange. You just have to keep this in mind, every driver has the right to change their car insurers at any rate.

Can my car insurance company here in New Jersey opt to non-renew my policy if they don’t want to cover me anymore? What are the possible reasons an insurance company can do just that?

Melvin

Passaic, NJ

Car insurance companies can opt not to renew your policy once it is time for renewal. However, state regulations do not constantly explain the reasons wherein a car insurance policy cannot renew policies. Your car insurance policy may not be renewed if your insurer in New Jersey does not want to provide you coverage anymore. Typically, a car insurance policy may not be renewed if the policyholder has had too many claims for accidents that you have caused, has a conviction for driving under the influence (DUI), or has had a lot of traffic tickets in the last three to five years. These things could undoubtedly increase your car insurance rates from your subsequent insurance provider; however, they will not make you a car insurance outcast.

In case a car insurance company does not want to renew your policy anymore, they will send you a notification. State laws differ, but a car insurance company usually should give the policyholder a notification for nonrenewal of 10 to 30 days. This notification may or may not explain why the car insurance company does not want to renew your policy anymore. In case you want to know the reason why your policy is not being renewed and it is not explained in the notification, you would have to send a request in writing to the car insurance company.

I am afraid that my DWI charge here in Camden, New Jersey would have great impact on my car insurance. Is it true that it can be canceled once I get convicted?

Kale

Camden, NJ

There would be different costs that you would have to pay if you get convicted for your DWI charge in Camden, New Jersey. Aside from the penalties that would be imposed by the law, there would be a significant effect on your car insurance. You will receive insurance points on your driver’s license because of your DWI and so it could lead to losing your car insurance. You can also be turned down by other car insurance companies for a new coverage and if you find one that will insure you, the insurance would be higher that what you used to pay.

If your car insurance policy is cancelled by your current provider, you could see that seeking for another car insurance would be a challenge. A lot of car insurance companies don’t want to provide coverage to a person convicted for DWI. But this doesn’t mean that you can’t find a car insurance company to insure you. The new car insurance policy that you are trying to find could just be on this website so you can get a free quote here.