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.

I have just been charged with DUI here in New Jersey. I know that what I did was illegal that’s why my lawyer is doing everything to help me get out of this. But he didn’t assure me that I’m not gonna pay some fines; and that’s alright. I’m really worried about what will happen if I will be convicted. Aside from the penalties, what are the possible effects of DUI conviction in my life?

Jasper

Edison, NJ

If you will be convicted for DUI, aside from the penalties involved on a New Jersey DUI conviction, one of the most immediate consequences you will face involves your car insurance provider. Your insurance company might just cancel you and they will send you a notice stating why you’ve been canceled. Then, you would have to find another insurance company while having a cancellation on your claims history and a DUI on your driving record. If your insurance company keeps you, you would have a raise on your premium rates. You would also have to file a proof of insurance or what is called the SR22 form. You have to carry the SR22 for three years.

Another aspect in your life that would be affected if you will be convicted for New Jersey DUI is your employment. There is no way around it if an employer would want to check your driving record or conduct a background check in general. Most likely, if this happens and if you are applying for a new job, the chances of getting hired by a company who would do a background check are very slim.