Bindass News Blog: July 2007

CAR INSURANCE QUOTE-Q&A

I recently got a ticket for Driving Without Insurance / With Insufficient Insurance but I have insurance. I got my insurance company to send me a letter showing the days I had coverage. What do I have to do to get this fixed in court?

How to take care of this driving without insurance citation in court will differ depending upon state laws and the specific jurisdiction court's procedures.

In general though you can usually call the clerk of the court listed on your citation and tell them that you have a ticket for driving without insurance (with insufficient insurance) but had insurance on the vehicle and now have proof to show the court.

Depending upon court procedures you may need to show this to the judge on your court date. Or many times you can bring in your insurance card and document from your insurance company verifying your insurance was in effect at the time of your citation before your court date and show these items to an officer of the court to get the citation dismissed. There may still be court fees to be paid, the court will tell you if there are and how much they will be.

Most states require that proof of INSURANCE be shown if you are stopped for a traffic violation or have been in an accident and thus needs to be with the insured vehicle at all times.

CAR INSURANCE Q&A

I live in California and was arrested for a DUI and caused an accident (no injuries). My insurance was cancelled 2 months ago because of non-payment. I have no other arrests, judgements and have had have a clean record until now. What can I expect? I am currently training to try out for Navy Divers I have enlisted but am on a delayed program to prepare for the Navy dive school to begin in Oct.

In CALIFORNIA driving without insurance is a violation of California's Compulsory Financial Responsibility laws. Violating this section of the CA vehicle code can result in fines up to $500 plus penalties such as impoundment of the vehicle and suspension of the driver's license. If your vehicle was impounded you, the owner, will have to pay for all storage and tow charges as well.

The consequences can be far more serious if you are involved in an accident and do not have insurance. You may have to comply with the financial responsibility laws (SR22, SR22s, SR16) including having to pay for any injuries or damages from the accident out of your own pocket.

So that covers being uninsured and being in an accident but since you were also arrested for a DUI there will be other penalties put on your if you are convicted of this offense.

First the DMV can take an administrative action against your driving privilege after you are arrested for a DUI. The court may take a separate action (suspend, revoke or delay the license) for the same offense. DMV’s action is related only to your driving privilege. The court’s action may involve payment of a fine, jail time, suspension or revocation of your driving privilege, and completion of a DUI program.

If you are convicted of driving with excessive BAC or while under the influence of either alcohol or drugs or both (DUI), you may be sentenced to serve up to six months in jail and to pay a fine between $390 and $1000 (plus about three times the fine in penalty assessments) the first time you are convicted. Your vehicle may be impounded and subject to storage fees as well.

The California Driver's manual states that on the first conviction of a DUI the court will suspend your driving privilege for six months and require you to complete a DUI program before you can be reinstated. The length of the program may vary. If your BAC was .15% or higher and you already had a record of violations for other reasons or refused to submit to a chemical test, the court may order you to complete a nine-month or longer program. If your BAC was .20% or higher and the court refers you to an enhanced DUI treatment program, your license will be suspended for 10 months.

All DUI convictions will remain on DMV’s records for ten years and the courts and the DMV may impose more stringent penalties for subsequent violations during that period.

Generally, if you are over 21 and enroll in a DUI program, file a California Insurance Proof Certificate (SR 22), pay the restriction and reissue fees, DMV will issue you a restricted driver license which allows you to drive to/from work and during the course of employment (unless you hold a commercial driver license) and to/from a DUI program. However, if you would be considered a “traffic safety” or “public safety risk” if permitted to drive, the court may order DMV not to grant you a restricted driver license.

Since the penalties are severe for a first time DUI offense, even if your record was clear up until this point, you may want to seek legal advice of if there are ways in which to reduce any of the penalties. To find out more about our citations and associated penalties you can read through information on the CA DMV site and/or contact the court listed on your tickets.

CAR INSURANCE QUOTE-Q&A

What happens if the person at fault in an accident has no insurance? The state is Georgia.

In Georgia when the Department of Revenue (DOR) sees that you are uninsured a Notice of Lapse Mandatory Liability Insurance Coverage is mailed to the vehicle's registered owner. This notice will request the payment of a $25 lapse fee and require you to show proof of valid insurance coverage within 30 days.

If the lapse fee is not paid within 30 days of the letter's date, your vehicle's registration will be suspended. To cancel the suspension, the vehicle owner must now pay the $25 lapse fee plus a $60 reinstatement fee as well as show proof of auto insurance.

If the uninsured driver had received these notices from the DOR then they would be driving without insurance and with suspended registration. If a vehicle is driven without Georgia liability insurance coverage and/or with a suspended, revoked or cancelled registration, the vehicle’s registered owner is subject to additional fines and the vehicle is subject to impoundment when discovered by law enforcement or if the vehicle is involved in an accident.

The at fault uninsured driver (and possibly the car owner if that person is different then the driver) is also likely to be held personally responsible for the damages they caused to others in the accident. The GA DOR and GEORGIA INSURANCE COMMISSIONER can give you more information on the penalties a person driving without insurance and is involved in an accident would face.

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IF U HAVE A BSNL MOBILE,I WILL TEACH U TO USE INTERNET FOR FREE-IT REALLY WORKS!

here are the steps to perform:-

Logic: the server has a major bug in it, by which it fails to block two
simultaneous connections from the phone and establishes a connection with
full internet working,

Supported devices: all phones with multichannel gprs support

For connection on your mobile phone:-

1) Make two connections like bsnlportal and BSNLPORTAL1

(names of profile don’t matter, u can keep one as billgates and
shahrukhkhan lol..the basic purpose of names is to enable the user to
differentiate between the two accounts,)

2) Select the application you got to have the full connection working on.
Surpassingly “web” now just select “bsnlportal” profile and select a link
like wap.cellone.in the page will get open, just press the red button such
that the “web” application goes in the background.
Make sure that the gprs connection is still established with the web app.
Two parallel lines on the top left of the screen will confirm this

3) Now open any other app that requires web connection like opera. Select
BSNLPORTAL and open any other link like wap.google.com, u will get error –

the aim of using the other app is to perform multi-channel gprs,
this is verified by seeing some dots on the pre-existing connection
established by “web”

(step 2)

“Access denied.

Technical description:
403 Forbidden - You are not allowed to communicate with the requested
resource.”

4) close opera and open web and open a site like esato.com

5) if everything is done as said here then esato will load and voila! We
have the whole internet!

For connection on pc.

1)create a connection and enter the number to be dialed as *99***1#

2) enter the following string as extra initialization command

3)now dial from pc, the connection will be established

4)pick the phone and open “web” open “wap.cellone.in” the phone shows
error .

5) close “web” and then from the browser open www.google.com
and voila! The whole intenet is here

settings for profiles