I’m doing everything I could to be able to save money on a lot of things including my automobile insurance. Aside from shopping around and increasing my deductible, what else can I do to get cheaper premiums here in Huntsville, Alabama?

Benson

Huntsville, AL

Aside from increasing your deductible and shopping around, there are some other things that you could do to be able to get cheaper premiums for your automobile insurance in Huntsville, Alabama. You need to first make sure that you have a very good score on your credit report because this is one significant factor for a lot of auto insurance providers. A lot of studies show that there is a relationship between your credit history and the risk you have to insurance providers. Because of that, you need to pay your bills when it’s due and preserve your great credit rating for you to enjoy cheaper premiums.

The next step to take is to drive less as this could give you low-mileage discount. You may ask first if your auto insurance provider offers this kind of discount and if they do, try to reduce your driving as much as possible. Also, don’t use your vehicle for any business purposes. Any job-related driving normally means having higher rates so it will be better not to use your vehicle for business purposes. Lastly, you could be entitled for a discount on your auto insurance if you uphold to having a clean driving record for a particular time (normally for three years).

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I’m looking into buying a new car insurance policy as soon as I’m completely moved in here in Huntsville, Alabama. I would like to get an idea of what kind of coverages I should get.

Kaye

Huntsville, AL

Your car insurance coverage there in Huntsville should adhere to the minimum guidelines stated by the financial responsibility laws of Alabama. Your car insurance agent or the state department of motor vehicle’s (DMV) website should provide you the necessary information on the proper car insurance you should look for. To give you a better idea, here are the types of coverages available (note: it is possible to get these coverages separately but most insurance companies would offer these as a package):

Property Damage Liability Coverage- Covers you from financial liabilities incurred for damaging or destroying public/private property.

Bodily Injury Liability Coverage – Protects you from liability arising from expenses incurred to treat bodily injury to individuals who you might have injured in an accident. This will also cover funeral expenses and economic losses such as lost paid work hours due to the car accident you may have caused.

Personal Injury Protection (Medical Payments Coverage) – Is a No-fault coverage that pays for medical/ hospitalization expenses to treat you and the people in your car’s injuries in an accident.

Collision Liability Insurances – Pays for damages and repairs to you, or another party’s vehicle in the event of vehicular collision.

Comprehensive Insurance Coverage – Covers financial losses on your vehicle for other factors or forces not relating to car accidents such as natural disasters, vandalism or theft.

Uninsured/ Under Insured Motorists Insurance – Provides protection and coverage in case you get involved in a car accident with someone who has zero or insufficient insurance coverage.

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What are the things that an insurance agent will ask me if I get a car insurance for my business here in Huntsville, Alabama?

Darlene

Huntsville, AL

If you analyze what’s in a business and personal car insurance policy, you will see that there’s not much of a difference between the two. But you certainly must have to understand that these insurance policies have quite a few technical features that are unique from each other. If you have difficulty figuring out the differences between the two auto insurance policies, you can let an insurance agent in Huntsville, Alabama explain them to you. The insurance agent will help you decide if what you really need is a business policy.

There are several questions that would be asked about the automobile for your business. Some of these questions include:

-What will the car be used for;
-Will any of the employees drive the car; and
-Do you plan to use the car for both business and pleasure?

If you inform the insurance agent that you’re going to get double duty out of your car by using it for both pleasure and business, the coverage for both types of car insurance would be the same.

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I don’t understand why my sister is worried about her drunk driving case here in Alabama. Isn’t it that DUI is just an ordinary traffic offense?

Jordana

Huntsville, AL

You should never take a DUI charge as an ordinary traffic offense because a DUI case is a criminal offense and Alabama DUI laws are surprisingly complicated, strict and serious than ever. Being charged with DUI is very stressful especially now that the stakes are high and the cases move very fast. A DUI conviction would result in very harsh punishments so it will never be worth it to drink and drive and be charged with DUI.

Your sister has every reason to be worried about her DUI case in Huntsville, Alabama so she need not waste time. She has to go and find a very experienced DUI lawyer who will defend her in her DUI case. The DUI lawyer should aggressively defend her very serious traffic offense. If she gets convicted for DUI, the effect will be lasting and negative and it will leave a permanent stain on her record. It could also affect her job or restrict her job opportunities; she may have difficulty in obtaining a credit or attend college or graduate school. Furthermore, she may find it hard to restore a sense of normalcy to her life after a criminal case like DUI.

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I know that some people who are arrested for DUI here in Huntsville, Alabama are being asked to take field sobriety tests to determine if they had been drinking. What are the possible defenses that can be used in a DUI case with regard to field sobriety tests?

Camren

Huntsville, AL

There are two kinds of field sobriety tests (FST’s) that police officers often ask a person who is suspected for DUI and these are the standardized and non-standardized FST’s. Standardized FST’s are set up by the National Highway Traffic and Safety Administration (NHTSA). If a driver is already stopped for a DUI suspicion in Huntsville, Alabama and was asked to take standardized FST’s, a good DUI defense lawyer could find ways to prove that standardized FST’s are inaccurate. A great example of this is that for healthy individuals, the walk-and-turn test is only 68% accurate and the one-leg stand test is only 65% accurate in determining if a person is under the influence. Those individuals with medical conditions and injuries, and those who are 50 pounds or greater overweight and 65 years or older cannot be validly judged by the FST’s.

On the other hand non-standardized field sobriety tests are invalid. The NHTSA and medical science do not consider saying the alphabet, counting backwards, or touching your finger to your nose as valid FST’s. These are the reasons why failing the FST’s are not entirely enough basis that the driver was really under the influence.

Tags: DUI, DUI lawyer, field sobriety tests

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I have just been charged with DUI in Huntsville, Alabama and I was advised that it is really hard to win this kind of case. That’s why I decided to get a lawyer to help me out. What kind of fees should I expect to be charged for to get a legal representation?

Rae

Huntsville, AL

It may really be hard to win a DUI charge if the prosecution’s case is strong enough against you. But with the services of a good DUI lawyer, I’m sure you will have a pretty good fight. Well, the legal fees are being determined by several factors. These factors include whether the charge is a DUI felony or a DUI misdemeanor case, the severity or degree of the DUI charge, the complexity of the DUI case, the number of crimes charged and the defendant’s expectations and desires. In general, the legal fees that are being charged to represent a DUI misdemeanor are less than the charges for a DUI felony case. DUI misdemeanor cases are considered less complicated than that of DUI felony cases.

Most DUI lawyers divide the legal fees that they charge into Pre-trial and Trial fees. They typically charge a fee for all representation up to the Trial and they charge additional fees if the defendant desires to proceed with a Trial. It’s a good thing that you already decided to hire a DUI lawyer to represent you on your DUI case in Huntsville, Alabama. Don’t expect to pay little but I’m sure it’s all gonna be worth it in the end.

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We were driving home from Huntsville, Alabama one night when my brother and I got pulled because of a traffic violation. He was asked to have a breath test for drunk driving and unfortunately, he was over the limit. How accurate is this breath test and can we challenge the result of these tests?

Bryan

Huntsville, AL

Of course you can challenge the result of a breath test. First you need to know the law about drunk driving in Alabama. A driver may be charged with DUI (driving under the influence) if the Blood Alcohol Concentration (BAC) Level is at .08 percent or above. It is necessary to obtain a suitable sample of the arrestee’s blood, urine, or hair at the time of arrest in order to prove the requisite level of alcohol in the blood of someone arrested for drunk driving. Using the breath test is the most popular scientific method for establishing that drunk driving has occurred.

The breath test for drunk driving measures the amount of alcohol in an appropriate sample of exhaled air. This is considered as an “indirect method” and thus subject to variability. The chemical composition of the alleged offender’s blood, his/her physical activity, the temperature and the atmospheric pressure are just some of the factors that can lead to variable and questionable results. Many courts in Alabama have allowed drunk driving defendants to present expert testimony of the scientific inaccuracy of Breathalyzer test results based on these inherent variables. Getting a good defense lawyer can definitely help you in challenging the result of the breath test.

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