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Tips on Buying a New Vehicle and Auto Insurance in San Jose

Auto insurance in San Jose will do its purpose to provide full coverage to your vehicle. It will keep your vehicle safe with the assurance of invaluable support in times of emergencies such as accidents and hit and run cases.

However, buying a car entirely depends on you. You need ample guidance through the entire process. Most people prefer to purchase a vehicle entirely through financing and loans from financial institutions, banks, car dealers.

Financing for your precious car involves a lot more factors than it takes to get a reasonable policy for auto insurance in San Jose. Something you have to keep in good shape is your own credit rating. Other factors include the price of the car on road which is inclusive from various taxes and the amount of down payment that you make.

The down payment that you make will influence your loan payments just like the deductible amount influences premium payments. If the deductible is raised, then premiums go down. It works the same way for loans and down payments.

The US Truth in Lending Act requires that you are provided with certain information by your lender before the loan agreement is signed. All these details are also required to be included in the contract for the loan. This includes purchase price, the dollar amount paid as credit, the principal amount and interest percentage or the amount to be paid as interest every year. This is also called the APR or annual percentage rate. The total cost of the car inclusive of both the basic price and the interest amount is to be given in the loan contract.

There are some types of scams that you must be careful to. The only way to be sure is to avoid being hasty. A hasty approach would mean you agree to certain lenders who provide you an option to take home your car right after you make the down payment with the assurance that the remaining financing is being negotiated.

However, they can call you a few days later and inform you of failure of the original agreement negotiation with less favorable plan offer which might not entirely be to your liking. These cases are often seen to happen and are ones which you should avoid.

In case you cannot keep up with loan payments and have to endure repossession, declaring bankruptcy is an option in order to avail of a minimum of three to five years to pay off the loan on your car. This will provide you the necessary time to keep your car with you and avoid hassles and harassment.

For free and satisfying details on auto insurance in San Jose, providers and insurance rates, do enter your zip code above and get everything in just a few minutes!

How to Find a Special Kind of Auto Insurance in San Jose

Auto insurance in San Jose has everything for everyone. There is a wide variety of insurance packages provided by insurance companies designed to cater even the most demanding customer segments.

However, there are special kinds of insurance packages which people do not usually know about and can turn out to be the most beneficial ones in turn. With proper knowledge and research, availing of such unique plans is a distinct possibility. Where the difference lies is in the working of a fault based and non-fault based insurance model for vehicle insurance.

What is a fault based system?

AutoInsuranceInSanJoseIt is one where the insurance company pays up the claims of not one but two drivers as is usually seen to happen. When you are responsible for any accident, your insurance company is liable to pay the insurance claims of both you and the aggrieved driver who has been injured in the accident or has received serious damages to his/her vehicle.

In cases where any other driver is at fault, the other driver’s vehicle insurance provider pays for the amount of claims for both drivers without any underlying hassles or hidden costs whatsoever. This is how a fault-based insurance system works for auto insurance in San Jose.

However, for a no-fault system, insurance companies automatically pay up the personal claims of their clients, irrespective of whose fault caused the accident. Does it sound beneficial?

This mechanism is in operation in several areas and helps reduce complexity and hassles owing to delayed payments or reluctance with regard to payments on the part of another driver’s insurance company.

Where the catch comes in, are the limitations of coverage of the no-fault type of vehicle insurance in San Jose.

This type is seen to cover certain specific cases and issues such as injury claims at a personal level, other medical bills for treatment, expenses on funerals in event of any deaths, losses on account of cut payouts or wages and also subsistence and sustenance money as compensation for all surviving descendants in event of sudden deaths on account of road mishaps.

There is a minimal amount of coverage provided by some insurance packages with regard to specific and limited damages to property like buildings, especially public buildings and parked vehicles on roads and alleyways.

Any financial claims for personal suffering, trauma and pain will not be covered by no-fault vehicle insurance. Insurance companies also do not cover damages to the vehicle under the no-fault scheme of insurance.

A minimal yet stipulated amount of coverage must be purchased by the consumers. This should not exceed the specified limits of all such coverage plans. One may not necessarily have to be insured in order to get a no-fault insurance plan.

There are usually two kinds of consumers who file claims under a no-fault insurance model. These are those directly and indirectly insured. This may be quite tricky but can be understood with ease.

Those who are directly insured are the driver and his/her family members. The person named in the policy is the driver of the car or the policy owner for this case.

Those who can be called indirectly insured are the pedestrians, passengers and other persons who are injured in an accident without any fault of their own. Directly insured can claim their insurance under a no-fault policy. For indirectly insured people, their claim has to be made under the driver’s no fault policy or any relevant policy of those involved in the accident that has the adequate coverage.

Only four wheelers are mostly covered under no-fault insurance policies. Auto insurance in San Jose does not cover motorcycles and other types of vehicles such as commercial vehicles and all terrain specialties like delivery trucks and taxis. Only four wheelers can claim under a no-fault insurance scheme.

In case nothing of this works out and the accident was not your fault, there are other options available.

The best option in such situation would be to directly sue the other driver who was responsible for the accident and who is evading direct payment and responsibility.

In most cases, this can be possible only if injury costs and financial losses exceed a particular amount. If there is allowance to sue, one may gain quick access to compensation for damages that would normally not be included under a no-fault insurance claim. These include certain punitive damages and other damages on account of pain and suffering and so on.

The best possible way to navigate through the entire situation is to take the help of an experienced lawyer or an auto insurance agent. They can guide you through the entire process and ensure that you get the best possible platform for filing no fault claims that are often seen to be better a fault based system. This kind of insurance system is often inaccessible to the common customer on account of lack of information and the limited kind of coverage implementation that it has seen.

However, a no-fault insurance claim does ensure your security through the entire process since you are automatically covered for injuries irrespective of whether you are responsible or not. This also reduces undue dependence on the other driver’s insurance provider. Negotiation and settlement with other drivers’ insurance organizations can often be a cumbersome and tedious process and the no-fault system does away with these.

For substantial and free details regarding auto insurance quotes in San Jose and their providers, type in your area zip code in the top box and get it for free.

Repossession Tips for Your Auto Insurance in San Jose

Repossession is the right of the lender, usually commercial and government banks to take back your car if you do not put up your loan payments. If you do not pay, they have every right to take your car back. This whole process is known as repossession. All loan defaulters have to face this situation and it is unavoidable if nonpayment reaches to a severe extent. However, there are tips available that will help you get through the entire process with dignity and do what is necessary for this scenario.

The defaulting on your loan depends on the terms of the contract with your loan provider. There is always a particular grace period for making payments which can even extend up to thirty days or more.

The first tip to keep in mind during this stressful situation is to keep peace. You should also never opt for auto insurance in San Jose without ensuring that you make your loan payments on time.

The law stipulates peaceful operation of the loan agents in case of repossession. This means that if you tell your loan agents to not take your car they cannot legally do so. You will eventually have to face repossession but this process will get you some more time.

According to laws in the state, it means that repossession agents cannot threaten, intimidate, or force you in these situations. They cannot enter any enclosed property or your garage and take away your precious vehicle as well.

You have to check whether this applies for your state or not. If it does, use this tip to get a little more time on your hands to sort out matters and financial liabilities.

Taking proper care of personal property is a must. You should always take the initiative about this. Repossession agents are liable to give you the time and scope to remove your personal belongings from the vehicle before they take it away.

If there is sudden repossession from a parking lot or at night, the lender is liable to contact you with regard to retrieval of your personal belongings. They should contact you and tell you how to retrieve your belongings.

Before selling the car, the lender has to inform you with a notice of sale. Make sure that this happens as this gives you a chance to retrieve the situation by putting up all the pending costs. You are also legally entitled to know location, area and the time of sale.

Always check for deficiency judgment issues. The deficiency judgment involves the gap of money between the pending loan amount and how much your car sells for. In such cases, you have to fill up the remaining gap. You are legally liable to put up the additional remaining costs. If you do not, the lender can legally sue you in court. Make sure you have ways and means to cobble together this difference if there is any.

You would do best to take help from an attorney specializing in consumer law so that you are kept abreast of your particular rights as a consumer and can avoid worrying situations in future.

Repossession is a tough and painful process and the best you can do is to remain calm all throughout with your dignity intact. Keep an eye on your consumer rights and try to buy more time using these tips.

For further details on insurance for cars in San Jose for free, just enter your ZIP code.  You can also get auto quotes from the leading providers in San Jose.


How to Get San Jose Cheap Car Insurance and Maximize the Discounts

CheapAutoInsuranceinSanJoseSan Jose cheap car insurance can be got with discounts and categories for discounts as the most important weapons to ensure you pay less for your auto insurance plans. However, to convince your insurance company of the same, you need to do at least some of the following:

–          Getting safety devices like air bags and automatic belts on your seats

–          Multiple insurance with the same provider for cars or even your house

–          Braking mechanisms which are anti-lock

–          Driving for more than a couple of years or three years without any accidents whatsoever

–          Undertaking courses in driving safety and drivers’ training

–          Installation of devices which prevent thefts

–          Low mileage offers

–          No accidents in your lifetime

–          Good academic records and participation in community service activities

–          If you are over fifty years of age

–          If you do not smoke

–          If you do not drink even socially and are a total teetotaler

–          If you are a student living a fair distance away from home without a car for campus use

–          Participation in car pooling systems for commuting to home or work

–          If you have records of service in the armed forces of the country

–          If you are a female resident and you are the only one to drive a car in your family

–          If there are systems like cutting off ignitions and wheel locking devices

–          If you belong to any profession that is considered more reliable and respectable by your insurance company, such as a lawyer, doctor, farmer or even belong to any government organization

If you have decided to do away with coverage for medical treatment as part of your insurance policy, this usually happens when you already have an existing plan for medical issues which is a separate entity altogether to help you get coverage for all medical issues which occur due to automobile accidents, personal ailments and likewise. If you do get a separate medical insurance policy or have an existing one before hand, it makes sense to snip off this component from your San Jose car insurance policy.

This is because medical insurance components are a big chunk of insurance policies for vehicles and taking it off will result in your premium payments and rates being substantially lower. This will lead to you saving more on your car insurance plan, thereby helping you stay secure without financial burdens.

The above given steps are there to help you have an idea of what to do if you wish to maximize discounts from the new insurance plan that you wish to purchase.

You might just be eligible for huge discounts going up to even 20 % if you can relate to any of the above steps. This gets you the best out of your discounts and helps you get a beneficial San Jose cheap car insurance policy.

Do you need more information regarding discounts offered on auto insurance in San Jose? Provide your zip code and know for free!

Different Rates of Auto Insurance Packages in San Jose

How does auto insurance in San Jose work? Insurance providers make the most through people on whose behalf they never have to address claims or pay staggering damage and repair costs. High-risk drivers are therefore imposed stiff premium payments in order to cover future damages in advance. Irrespective of the fact, whether you are already labeled a high-risk driver or not, one single violation of yours will raise rates of insurance to a huge extent.

This situation is unavoidable and you cannot do anything to lower premiums.

There is usually a basic amount that insurance providers keep for everybody, irrespective of their driving histories and other details. They then make additions or subtractions based on unique information, driving records, responsibility factors, and overall temperament of a particular customer. If there is a sudden moving violation or even a traffic ticket, it may contribute to increase of your premium payments at a rapid rate.

What you have to do is consult your lawyer as fast as you can in order to prevent such a situation from happening.

There are some kinds of offences which can remove your insurance prospects altogether. Your own insurance policy may well see cancellation on orders of the department of motor vehicles and state authorities. If there are even two to three or more than three moving violations on your record in a short period, say in an equal amount of years, insurance policies may stand cancelled and any damages and costs henceforth would be your sole responsibility.

If your car is driven by other members of your family, they must be properly authorized. Even if they are, their poor driving record and any accident caused on their account will jack up your own premiums significantly. Most car insurance policies stipulate the non-payment of claims in case accidents or violations occurred via other drivers.

It usually takes a huge amount of time for premium payments to go down if they have been jacked up suddenly due to an accident, collision, and crash or traffic violation. You will have to keep driving safely for the next few years after such a violation as any subsequent road offence might have more serious consequences altogether.

For availing of viable plans for auto insurance in San Jose and decent car insurance policies, you should have a safe driving record and should try to follow laws as much as possible so that accidents do not contribute to sudden rising of rates of insurance and substantially increased premium payments.

Insurance companies cannot be blamed in such events as they have to ensure full coverage for all future damages and therefore a poor driving record will cost you more.

Do you want detailed information regarding discounts offered by insurance providers? Just enter out your zip code above for free!

San Jose Car insurance Laws for Faulty Vehicles

Auto insurance in San Jose depends heavily on relevant laws of the state and of the department of motor vehicles. These laws govern the operation of all valid insurance plans and there are often certain specific kinds of laws that operate in highly exceptional circumstances. One should have a thorough understanding of these laws in order to conduct oneself and get the most out of any such situation.

What happens if the vehicle you have bought turns out to be faulty or possess a whole host of problems the moment you drive it out of the car showroom. What happens if it gives you unlimited trouble with no one to turn to for help?

There is ample protection via both federal laws and state strictures that protect consumers who have the misfortune to purchase such faulty vehicles.

There are however two sides to such a situation. When there may be instances of such problems or faults occurring in many cars of the same manufacturer, the manufacturer is bound to ask for a recall of all these vehicles without further ado. Recalls generally take place for a common batch of vehicles that are produced by a common manufacturer and are seen to possess a whole host of problems.

However, if your vehicle is a solitary one that has been causing you problems for no fault of your own, it may just be a lemon. This falls under the mechanism called lemon laws, which are enforced by both federal and state governments.

Under the law of the United States of America, all car manufacturers are required mandatorily to recall faulty vehicles. However, the definition of faulty needs should be thoroughly established in such cases. There must be a tangible problem or error, which makes it difficult for a driver to operate a particular vehicle. Wear and tear problems of some parts, which are commonly seen to necessitate repairs like shock absorbers and minor problem areas like a malfunctioning stereo system, for instance, do not fall under the recall category. All recalled vehicles are to be repaired without any charge whatsoever as the law stipulates.

However, when it comes to lemon laws, sometimes these laws are valid when the vehicle is utterly unfixable in spite of numerous attempts. The vehicle must be under the warranty period of the factory of manufacture and be within 24,000-clocked miles at a minimum. Also in some cases, it should be established that you have provided the dealership a minimum of three to four chances for repairing a faulty car. If the problem directly affects passenger and driver safety, then it can qualify as a lemon only after a couple of attempts have been made to repair it.

If the vehicle has so many problems that it stays put in the repair shop at a stretch without any usage whatsoever, it may also qualify as a lemon. This however has to have a minimum period up to thirty days. These days do not have to be consecutive and cars given on loan do not count in such cases.

There is a feature for ultimate financial compensation if you end up buying a lemon car. It depends on the particular situation. You may be refunded in full and you can use the same amount to pay off outstanding loans against the vehicle you bought. In addition, you may well be given a car as a replacement, which is a rare instance of compensation though. It is important to keep in mind that all of these guidelines apply to cars, which have been newly purchased. Old and used cars, which turn out to be lemons, do not merit the same kind of redressal packages. Only if a used lemon car has remained under the factory warranty, can the law be effective in ensuring that you get the cost of all repairing operations refunded to you.

There are particular situations when in spite of being a faulty one; a car cannot be classified as a lemon. This extends to instances like when you have installed any feature or car product, which is not recommended for installation by the manufacturer. Any claims or pleas for compensation will not merit redressal in these cases. In addition, if bad working of the vehicle is due to your own abuse, rash driving, or neglect, then the car cannot qualify to be a lemon as well.

Accident laws take into account safe operation of your vehicle. Vehicle insurance policies also come into effect if there are serious problems with the car that cannot be clubbed as a lemon.

There may also be certain niggling issues that are not lemon issues but just annoying little problems because of chance and bad roads.

For instance, some cars may see the side mirrors rattling when it passes over bumps. This cannot pass through elaborate fixing and repairs. It requires chance and little adjustments. You cannot go for the assistance of state and federal laws in such cases.

Auto insurance in San Jose is there to help whenever you want compensation for all other damages apart from lemon cases. However, careful and thorough research regarding the same is required. Taking the advice of a registered legal practitioner or attorney specializing in consumer law is a good step to take. This is because lemon laws are quite complex and understanding them is very difficult indeed. Every lemon car has its own unique story that you must highlight and display properly in order to get appropriate compensation for your miseries with your precious vehicle.

For free and tangible details of auto insurance in San Jose and the packages on offer, your zip code is all you need to type in the top space of this page!

Five Top Factors to Get a Low-Cost Auto Insurance in San Jose

If you are a low-income earner and still, you do not qualify for the California’s Low Cost Automobile Program (perhaps you do not meet all other requirements. For low-income earners, you’ll have to search for other possibilities in order to obtain a lower policy’s rate. Remember that driving a vehicle without auto insurance in San Jose can get you the following penalties: you will have your license suspended and you will receive a dedicated fine; you will have your car’s registration suspended and your vehicle will be impounded. In addition, if you are cited for not having car insurance while being involved in a car accident, the Department of Motor Vehicle will impose you one-year suspension concerning your driving license, followed by other three years of maintaining proof of financial responsibility on file with the Department of Motor Vehicles.

You will find here some advises you could follow to decrease you policy’s rate. Pay attention to all factors, which might affect the price you will have to pay in order to insure your car.

First, decide which coverage type is the most appropriate for you. You are mandatory to purchase at least the minimum coverage for your car, which will cover medical bills and property damage for the non-guilty part, in case you produce a traffic collision. If you want to purchase collision or comprehensive coverage, make sure you need them, before signing the relevant policies.

It is important to pay attention to your car’s safety level. There are some properties or different equipment, which can help you, decrease the rate. For example, the anti-lock system braking or the electronic stability control might help you to obtain a better price.

In addition, your parking place also matters. If you own a garage or you have rent one, you have just increased your chances to get a lower rate. What about the mileage discount? If you do not use your car very often, or at least you do not take very long rides, you might not exceed a predefined limit. Driving a number of miles per year under the expected threshold, you bring you a special discount.

Try to use a bundle policy. Sign all your car insurance policies with the same carrier, if possible. You will certainly save some extra money if you purchase all your life, health, and home and car policies from the same insurance company. Regarding to the home insurance, if you are a homeowner, once again, you might qualify for an additional discount.

Do not forget that it is most likely that you will not receive, by default, discounts based on all your relevant factors. That is why you should know all the aspects, which might decrease your policy’s rate and make sure that to ask for all these benefits before signing a policy.

You can check right now the most competitive car insurance quotes in San Jose. Everything you have to do is to enter you zip code here, fill in a relevant form, which will reveal all possible discounts you might get, and check all the offers here in order to get the best auto insurance in San Jose city.

Utilizing Auto Insurance in San Jose in Special Situations

You will find here how to proceed regarding your auto insurance in San Jose if special cases occur. For example, what are you supposed to do if a traffic collision occurred while your car is driven by someone else (with you permission, of course)? Or what will happen with your car policy if you have an accident? Read the information below to find the answer to these questions and other useful information.

What happens if a car accident occurs while someone else drove your car? You should know that most auto policies include a Permissive Use provision, giving full or limited coverage to someone else driving your car having your permission. But each insurance company has his own rules, so before signing a new policy make sure to ask about this particular situation to know what to expect. There are also providers that will ask you to write on your policy particular names of the persons you would like to be covered if a traffic collision occurs while they’re driving your vehicle. No additional users other than the persons indicated by you through that policy will be covered in case of auto accident with your car and the driver of your vehicle as the one that caused it.

What happens if you produced an auto accident or you were at least involved in a traffic collision? Will your policy be cancelled? In most situations, your policy will not be cancelled and will continue to provide the legal financial coverage until its validity period finishes. However, there are particular cases when your policy might be cancelled. It will mostly depend on the cause of the accident and the number of previous accidents. If you produced the car accident while driving under influence (meaning alcohol or drugs) and convicted for DUI law violation, there is a high enough probability that your current policy might be cancelled. This could also happen if you have produced a third accident in a certain period of time and your carrier considers that your policy represents a too high-risk item.

In case you’re wondering how many tows you are allowed with emergency road services, you should know that there is no limit set regarding the number of allowed tows. But your insurance company will review your policy if a high frequency occurs.

What about new cars? Are they automatically covered or you’re required to purchase a policy by your own? If you buy a brand new car within an instalment pan, you should know that all costs for all coverage types of that car will be included in your premium. Most companies will require you to accept and sign, aside from the minimum coverage, the collision and comprehensive coverage too.

What happens if you produced a car accident, the car is totally damages and you choose to give up the car because you don’t have enough money for the repair or the replacement costs? In this case, the car will be returned to the provider but being totally damaged will not worth much. Providers want to be insured if these particular situations occurs and they will require you to sign the collision and comprehension coverage.

What happens if you change your vehicle? In most of cases, you will be provided with an automatic coverage for the vehicle replacing the one stated in your current policy. The same coverage will be maintained, unless you specify to your provider that you would also like to upgrade or downgrade your auto insurance in San Jose. However, there are insurance companies that do not provide such automatic changes and will require you to renew you insurance policy.

What about rented cars? If you decide that you want to rent a car and you already have a valid car insurance policy, you should know that the rented car can be covered by your insurance company for up to 30 consecutive days and will be provided with the same coverage you have for our own vehicle. If you do not have collision and comprehension coverage for your own car or the special rent reimbursement coverage, it’s advisable to sign an agreement with the company stating that all expenses for any damages of the rented car will be supported by the company no matter the cause. You will also have to pay more in order to rent a car but you will be fully insured in case you’re involved in a traffic collision or you even produce a car accident.

What if you drive a car in a foreign country? Before starting to travel around the world or at least multiple countries, you need to be informed concerning the car insurance laws of those countries. Since each state has its own particular laws, there are ‘tort’ states and ‘no-fault’ states. It is possible to be required to purchase a special policy for some geographical areas with the states particular laws to legally drive everywhere in the world. If you will be driving in Mexico and you have signed your car insurance in San Jose, California, it will be mandatory for you to purchase a special coverage because auto accidents in Mexico are subject to the laws of Mexico not the laws of United States. Therefore, you will be required to buy liability insurance through a licensed Mexican insurance company. In the contrary, if you want to travel to Canada you should know that your San Jose car insurance will be valid there too because the coverage territory of your auto policy is defined as the United States of America, its territories or possessions or Canada.

Pay attention to special cases to avoid fines and penalties. Enter you zip code here; fill in all the mandatory fields (representing factors that might impact your policy’s rate) and check the auto insurance offers in San Jose city.

Corresponding Punishments for Offenders of DWI and DUI Laws in San Jose

In San Jose city,it is not only the owning of auto insurance in San Jose is mandatory. It also includes following the traffic laws dutifully. DWI and DUI laws allow a BAC (Blood Alcohol Content) level up to 0.08% for drivers over 21 years old, 0.04% for commercial drivers and 0.01% for drivers between 18 to 21 years. No alcohol is permitted to younger drivers than 18 years.

DWI/DUI has been a major cause of death and injury in San Jose city. Make sure to respect these regulations while you’re driving your vehicle. However, if you are drunk and you are stopped by a police officer while driving your vehicle, you should know which penalties to expect.

If you are an over 21 driver, the penalties for exceeding the maximum allowed BAC level varies depending on the number of offense. If this is your first offence, you could end up with a 6 months imprisonment or you could get a fine up to $1000. If your are found guilty to have violated the DWI law, you will also receive the following penalties: your driver license will be suspended for 6 months and receive two points to your driving license; your vehicle may be impounded and you will be needed to pay storage fees; and you might be required to drive using the Restricted License and become eligible to reinstate your driver license only after 30 days of mandatory suspension after meeting all reinstatement requirements. If you find yourself to a second offense you will receive the following penalties: a possible imprisonment for up to one year or a fine up to $1000 and you will have your driver license suspended for two consecutive years and you will also get points on your driving record. You might also receive an imprisonment sentence for less than one year or a fine up to $1000. Also, if you are found guilty of DWI law’s violation, you will be suspended for three years and two points will be added to your driving license.

In case you’re not yet 21 but you are over 18 and you had a BAC level greater than 0.01% when you submitted the breath or blood alcohol test, you will get specific penalties. Your driver’s license will be suspended for one year or even revoked if you are convicted under the “minor in possession / other alcohol offenses” law, and two points will be added to your driving record. In addition, you will have to pay a fine up to $100. If you find yourself at a second offense within one year, the specific fine will go up to $200 and you will no more be granted with a Restricted License. If a third offense occurs within one year, you will have to pay a fine of $300. If your BAC level is exactly 0.01%, the Peace Officer is allowed to issue you a 30-days temporary license. Still, your driver’s license will be suspended. If you got arrested with a BAC level of 0.05%, you will receive an order of suspension and you will be detained till handed over to juvenile authorities or your parents. If your BAC level is greater than 0.08%, you may be arrested by the peace officer. Regardless of your BAC level, your vehicle can be impounded for up to 30 days if you are caught in possession of alcoholic drinks in your vehicle. You might also be requested to pay a fine up to $1000 and your driving license will be suspended for one year. Moreover, the Department of Motor Vehicles could decide to delay your first driving license by one year. In addition to all these penalties, other ‘21 over’ specific penalties may apply, if you were found guilty of DWI/DUI laws’ violation.

What about the commercial drivers? Here are the possible penalties to be received if you have a commercial driver license (CDL) and found with a BAC level higher than 0.04%: you will no more be allowed to drive a commercial vehicle for one year with two points on your driving record. If you are found with a BAC level greater than 0.04 while driving a commercial vehicle containing hazardous materials, you might get your CDL suspended for up to three months. If you are convicted for a second offense of DWI/DUI, you will lose your CDL license for life, therefore, you will be never ever allowed to drive again a commercial vehicle.

If you are found with a BAC level exceeding the maximum allowed level while driving, you can schedule an administrative hearing in maximum 10 days of the suspension or revocation notice. It is mostly recommended to consult a specialized DWI/DUI lawyer. If you will not request a hearing in maximum ten days of the notice, the suspension/revocation becomes final and begins in the 30th day after the arrest. If your case involves serious injury or even death, you might also be punished under the Three Srikes Law of California. This law means that California state court must impose harsher sentence on the persons convicted of three or more serious criminal offenses. This law significantly increases the prison sentences of persons convicted of a felony and who have been previously convicted of two more violent crimes or serious felonies.

To be safe, avoid drinking if you plan to drive your vehicle. If you have drunk and you really need to change you location, consider one of the following actions: postpone your travel if it’s not very urgent, call a cab if possible or find someone else to drive your vehicle for you.

If you want to see how these penalties will also affect your auto insurance in San Jose, enter your zip code here and compare the offers you’ll receive to find the most suitable one for your needs.