FORWARD

Hello, my name is Matt.  

I’m one of the founders of 2nd Chance Insurance, and since you’re reading this I think we may have something in common.

Several years ago I met up with a friend at a local bar. Long story short we got to talking and had a few drinks. Then of course the unexpected happened; my friend got a call and needed to get home quick. He didn’t have his car there, and I just would’ve let him take mine, but we both had about the same amount to drink. So being that I felt fine to drive I said ‘I’ll get you home’.

“As the saying goes; Bad things can happen to good people?”

After I had dropped him off I got pulled over, and the Police Officer gave me the “test”.

I blew a .09. That breath changed my life in ways I could never imagine.

This booklet is more than just an information pamphlet with statistics and charts about DUI laws and insurance information; this is a real life guide for what to do and expect in this situation.

In this booklet 2nd Chance insurance will provide you with the information and resources that can assist you in making it through one of life’s most troubling times.  

As one who has made this mistake and paid for it, I can assure you what you need is just facts and how to use them to get through this and make the coming trials and tribulations as easy and affordable as possible.  

Here is a list of what you will find inside this booklet:

1. How is a DUI defined?
2. What does it mean when charged with a DUI or DWI?
3. The DUI process; from arrest through judgment.
4. Terms used in a DUI case.  
5. How a DUI will affect your life and how to deal with it best.
6. Life after a DUI.

The booklet is structured to be used two ways;

• As a road map to guide you through all the things you need to know about where you stand, what to do and how best to act to preserve your rights and best interests.
• As a quick reference to find the most pressing and important information that pertains to your situation right now!
•  

2nd Chance has been in your shoes, and has had to walk the same white line. We are not a soulless corporate entity; we understand what you are going through and have created this booklet to help you do what you need to do to survive and move forward.

    TABLE OF CONTENTS

• What is a DUI or DWI?
  • Definitions
  • BAC (Blood Alcohol Concentration) – legal limits
• How does a DUI affect your life?
  • Immediate changes
  • Legal ramifications
  • Moral implications
  • Employment issues
  • Under Legal Drinking  Age Driver
• The DUI flow Chart of Events
  • Chronological sequence of what to expect after you’ve been charged. 
• Planning your strategy.
  • How to navigate through the quagmire of legal, emotional and financial obstacles
  • Necessary steps you should take to preserve your life and financial obligations
• Explanation of SR 22 insurance.
  • What kind of auto insurance are you required by law to have?
  • What does this mean to you?
  • How and Where to get it?
  • How does this policy affect you? 
• Summation
  • Life moves on and so will you.
    • This is a new beginning not the end.
      • How to bridge the gap from devastation to redemption?
      • Practical advice.
      • How to bridge the gap from devastation to redemption?
      • Practical advice.

   What is a DUI or DWI?      

“Just when you think you have it under control, probably the last thing you actually have is control.”

Please be sure to consult with a legal advisor before taking any action and to obtain complete information about your situation.

To fully understand what you have gotten into after you have been arrested for driving under the influence of drugs or alcohol, it’s important to first get the definition of the phrases most often used in this circumstance.

(DUI) is defined as “Driving Under the Influence” while a (DWI) is “Driving While Intoxicated.” There are other terms such as “Operating under the influence” (OUI) or “operating a motor vehicle intoxicated” (OMVI).  You may also hear of terms like (OUD) “operating under drugs”, (OUIL) “operating under the influence of alcohol” or the legal term (UBAL), which means you were operating a vehicle at an “unlawful blood alcohol level.”

The terms are basically interchangeable but the most important thing to know is not whether you are being charged under one label of another; the critical thing to know is what defines this charge and how it will affect your life.

In all 50 states of this country, as well as in the District of Columbia, the prevailing legal statute is what is known as a per se law which means if you operate a vehicle while under the influence of alcohol, or drugs of any kind that can impair your judgment and motor skills, it is -pure a simple –against the law.  If you think you can handle a few drinks, let’s be clear; driving with a blood alcohol concentration (BAC) at or above a specified level, currently 0.08 percent (0.08 g alcohol per 100 ml blood) is ILLEGAL.

It should also be known that a driver can still be arrested and convicted for DUI even without any proof of “per se” intoxication.  Other evidence of impaired driving can be used to establish impaired operation;

• A driver with a BAC of almost any level could be found guilty of driving under the influence if an officer perceives you’re driving as being erratic.  Slight weaves over the line, even for a second can provide the police all the reason they need to pull you over. If that driver exhibited slurred speech. Severe inattention during questioning after a vehicle stop or other abnormal behaviors.

The officer that pulled you over has a mandate to test you if they have any suspension that you may be operating your vehicle under an impaired condition.  Every State in the Union now incorporates a Zero Tolerance policy especially designed to target the underage driver (under 21) who are caught operating a vehicle while under the influence.  

No one has a special drinking talent or can “hold” their liquor.  As unique as you may be don’t be misled into thinking your body weight or the amount of food you’ve eaten will have that much effect on the level of alcohol in your system.  You may feel the effects differently than others but the alcohol is still in your blood and can be detected.

Legally the place you got drunk at can be held liable as well as yourself, a bar, restaurant or private party, can be held legally responsible for your poor judgment. In 43 different states plus D.C., the courts can fine the establishment or private persons equally responsible for any damages and injuries incurred by the intoxicated driver. If it was discovered you were getting inebriated while at diner, a show or your buddy’s house, they can join you in court facing charges so even if you think “you’re ok to drive” remember your actions affect others.

How does a DUI affect your life?   2

“That last breath changed my life in ways I could never imagine.”

The facts surrounding driving while under the influence are stark and staggering.

1. 3 out of every 10 people in the United States will be in an alcohol related traffic incident.
2. 1 out of 139 drivers are arrested for operating a vehicle while under the influence of drugs or alcohol.
3. The rate of fatal crashes because of alcohol is 4 times higher at night than during the day.
4. Over 15,000 people die each year because of alcohol related traffic accidents.
5. It is estimated that every 39 minutes a drunk driver caused the death of an individual.

Getting convicted of a DUI brings with it a change in your life and of the lives of those that are close to you.   Remember you are not the only person being affected. Family, friends and loved ones can feel the emotional and sometimes the financial impact of this incident.  If your DUI involved another party; whether they were a passenger with you or were injured as a result of your actions – things are changed.

Your DUI conviction can be cause for criminal penalties including fines, jail time, probation, and community service. Certain state laws enforce minimum penalties for first-time offenses.  Many times these penalties will be compounded for each offense thereafter.

How severe your criminal penalties will be can vary according to the circumstances of the offense.

For example:

• If the driver has a history of DUI violations.
• If the driver was operating a commercial vehicle at the time of the DUI;
• If the driver was under the influence while a child was in the vehicle;
• If the driver was driving while intoxicated while simultaneously committing another dangerous moving violation, such as reckless driving, failure to obey traffic laws or operating an unsafe vehicle – broken tail light or headlight.
• If the driver committed the DUI violation and was involved in a car accident in which property damage occurred;
• If the driver committed the DUI violation while the car was involved in an accident in which another person was injured or killed; Even if another person was not injured the damage to the other vehicle will be sufficient enough to warrant additional charges.
• If the driver was under the legal drinking age at the time of the DUI violation.  This will fall under the Zero Tolerance statute and can affect the young person in everything from getting into a good college, being hired for a job or getting a loan.

Important information for you to know:

There are some immediate changes to your life that need to be addressed as well.

1. The suspension of your driver’s license.
   1. This can occur even before an actual conviction and may be for 30 days or longer.  The DMV will revoke your driving privileges until such time as the court determines your guilt or innocence.  In some states you may be able to get a temporary driver’s permit while your case is being heard.
   1. Request an administrative hearing at which time you can argue against your license being suspended or at the least, gaining some limited driving privileges.
   1. Contact your Local DMV for more details and specifics for your particular situation.

• Your car could be impounded.
  • Often times the police will confiscate your vehicle at the time you are arrested.  Having your auto impounded is more than a hassle because of impounds fees; administrative costs along with the pure frustration of being without private transportation can make your life very difficult.
  • Contact your police precinct for information regarding the release of your vehicle.

• Your employer may have the right to know or take action against you.
  • Depending upon your contract or if you are an At Will employee, employers have the right to terminate employees that violate their “code of conduct”. Being charged with a DUI can be considered a breach of conduct and against your company’s HR policy.  It is best to consult with your attorney to determine your rights which can vary depending upon the State you live in and the particulars of your employer’s conduct rules.  Whether you will need to inform your boss of your DUI should be discussed and determined by your legal console.

3. If you are looking for work your criminal background may be checked. Whether or not your prospective employer wishes to take this into account is at their discretion.  However if you want to work for the Government or have a security clearance then you may want to re-think your options as these employment entities have access to your personal records that regular businesses do not.
4. Consult your employee handbook and talk to your attorney for more details.

• Your insurance company will most likely cancel your policy or increase your rates to even triple your current rate. In addition, you will need to get a special kind of car insurance policy called an SR-22.  The SR-22 is for “high risk” drivers and not just for those with a DUI/DWI.  (see chapter 7 for more details)

For the Under Age Driver with a DUI

If you are a minor and are caught driving under the influence or just as a passenger in the car, you could be charged with a DUI, possession of alcohol and/or underage drinking.  In many states there is a zero tolerance policy.

Just one drink could be enough for you to lose your driver’s license for up to a full year or up to your 18^th birthday, whichever is greater or as the judge decides.  The court could also confiscate the vehicle involved whether you own it or it’s your parents.

And just like an adult, the minor charged with a DUI will be prosecuted on two fronts – the DMV who will suspend your license and the criminal court which will impose the fines, fees, jail time and require you to attend substance abuse classes.

Being convicted of a DUI while still a minor comes with other complications:

• College admission form requires the applicant to inform the school of any previous convictions.
  • This does not bar the applicant from being accepted.

• If the College student is underage and convicted, this could affect their current standing at the school.

• Employers are also entitled to be told of any criminal convictions.
  • Although this does not automatically deny employment, should you not disclose your conviction, when it comes to light your job could be terminated.

If you have not indulged in any alcohol but have it in your vehicle while you are the driver, without an adult over 21 years of age in your company, you can be charged.

Here are the numbers for Underage Drinking and Driving:

• Over 10 million underage drinkers in the USA alone.

• Many teenagers have misinformation about alcohol and its effects on driving.  Most believe a 12 ounce can of beer has less alcohol than a shot of hard liquor.  It’s the same.

• 32% of drivers ages 16 to 20 had an invalid license at the time they were arrested with a BAC level of .08 or above.

• Underage drivers. 16 to 20, who did not wear their seat belts were three times as likely to have consumed alcohol at the time of their arrest

• Among High School students – approximately 28% have ridden with a driver that had been drinking alcohol.

• 31% of teenage car accidents involve alcohol.  

• Over 5,000 drivers, under the age of 21, die each year as a result of underage drinking with over 1,900 of those deaths due to auto accidents.

It is hard enough for an adult to overcome the many issues that arise from a drunken driving conviction but an underage DUI conviction makes your start in life much more challenging than it needs to be.  

The DUI flow Chart of Events    3

Now that you’ve gone through the process of being tested, arrested and processed at the jail, what you thought was one of the worst moments in your life can get far much worse.  The first thing to remember in this kind of situation is to stay calm.  It’s not the easiest thing to do but it’s important that you view and act on what has happened with an even dispassionate demeanor.  In other words; be cool and think about what you need to do and focus on that.

The following are the likely series of events that will take place. Heed the procedures you will need to be aware of and the actions you must take. Be mindful that your ultimate goal is to come out of this with the best possible solution and keep track of each step as you proceed to the next.

1. Jail – if you are arrested and taken to jail you may be incarcerated until your hearing unless you can post bail.  You, your lawyer or someone you know will need to contact a bondsman to arrange for your bail to be paid. The usual amount for you to pay is 10% of the full bail amount.  Depending upon the judge’s decision will determine how much this will be.  If you don’t show up to court your bond is revoked, you will need to pay the full amount to the bail company and a bench warrant will be issued for your immediate arrest.
2. Court – it is very possible you will be going to court for your trial.  During this time a variety of issues will arise depending upon the complexity of your case.  Your lawyer can clarify your situation.  However in this booklet we will just look at it as the courts in all 50 States view the situation.

• Court costs.
  • Your tax dollars don’t cover the costs involved in prosecuting and processing your criminal activities. This will come out of your pocket and your auto insurance doesn’t help cover it.
• Fines.
  • Part of the penalty you will pay along with the costs of the court appearance is a Fine imposed upon you by the law of the particular state and the Judge that has presided over your case.  
• Loss of your Driver’s license.
  • The period of time your license will be revoked for depends on your State’s statutes and the decision of the court. Many States require a period of probation as well as at least some community service or jail time depending upon various legal elements of the case.
    • Being on probation also involves paying a probation fee as well as completing all the terms of your probation.

After you have paid your fines, court costs, probation fees, legal fees and any other costs that come with the process you must fulfill your probation requirements. However once you have satisfied your probation you will not automatically get your license and driving privileges back.  In the next phase you will have to take steps to earn back your right to drive and operate a vehicle.

The majority of the U.S. requires the person convicted of a DUI to go through an educational program. Depending upon the severity of your sentence you may have to enter into a rehabilitation program as well.  Remember this is part of the process and because it is a process it is something you can go through.

“This isn’t your life, it is a series of events you will live through and move on.”

• In many states a part of the process to get your driving privileges back will include meeting with a consoler to determine if you have a drug and/or alcohol problem.  Should it be decided you do have a substance abuse issues you will be required to attend a court appointed support group, get outpatient consoling, therapy or even go through a rehabilitation program.
  • Remember that whatever treatment or support group is required of you, you are also responsible for the costs of the therapy.
  • The State has a responsibility to address the reasons behind your use of alcohol or drugs while driving and as such will ensure you complete any and all ordered rehabilitation prior to receiving your driver’s license back.
• Ignition Interlock Devices – Even after you have satisfied the court by completing your rehabilitation and paying all costs and fines, you may still be required to have an ignition lock placed on your vehicle. Even first time offenders may have to have the device installed.
  • The ignition Interlocking Device prevents the vehicle from starting if it detects alcohol on your breath. These devices are expensive and you will pay for them as well. Trying to “fool” the device by having another person blow into it could be cause for immediate suspension of your license as well as additional probation or jail time.  

Planning Your Strategy 4

After passing probation and paying the fines you will need to acquire a SR-22 Insurance Certificate as part of your next step forward. Because of your conviction your insurance rate will go up and in some cases your insurance carrier may drop you altogether.  You will be able to get a special auto insurance called a SR-22 which has requirements, restrictions and will cost you more than had this not happened.  We’ll examine this in a little bit.

Navigating through the Mess:

Legal –

1. After probation life doesn’t just magically go back to normal as you now have to contend with a DUI and criminal conviction on your record.  This will follow you until it has been expunged or relieved.

In California, for example, under penal code Section 1203.4 a person convicted of a DUI must fulfill the conditions of probation for the entire period of probation, or has been discharged prior to the termination of the period of probation in order for your conviction to be removed from your record.

After you have paid the fine and at the end of your suspension or revocation, the DMV will reissue your driving privileges and license. You will also have to file proof that you are financially responsibility. If it is determined that there is not a basis for the suspension or revocation, your driver license will be issued or returned to you.

In many states first and second time offenders can receive a “Restricted License” or “Hardship License”.  This will allow you to drive to and from work, to and from school and other destinations as the court deems valid. This type of license isn’t freely given and you must prove you have a genuine need.

If you do not request an administrative hearing in the specified time allotted (usually within 10 days), you will not be able to get a restricted license. At that point you will have to wait until your suspension or revocation period is over before your driver’s license will be returned.

• If you were drinking and driving and pulled over without incident; you were lucky. Too often DUI offenders cause damage to property or worse.  Should your offense include physical injury to another person or even the cause of their death the consequences are very severe.  

In the event of loss of life your attorney will advise you on what to expect and help lay out a legal strategy. Listen to your lawyer and be sure you write down everything that is told to you and has happened to you.

In cases where your DUI resulted in the physical harm and/or property damages your insurance company may not cover everything.  Usually the damaged party will file an additional claim against you and seek additional compensation above whatever settlement your auto insurance policy allows.  This could result in the loss of your financial holdings, property and/or the garnishment of your wages should you not be able to pay the full amount up front.  

Emotional –

In the wake of any kind of traumatic event there are several stages a person will experience.  It is highly recommended that you seek professional treatment in order to be able to help cope and manager your emotions and stress.

Post-Traumatic Stress Disorder is usually equated with soldiers that have come home from the horrors of war; however the same feelings of shock, disillusionment, shame, grief and more are just as real and just as valid for all parties concerned. As with any dramatic, life changing turn people will move through various stages of emotional turmoil. Being able to identify them and understand their impact can help you get through them.

1. Disbelief – The fact that this has happened to you and how it affects those close to you can result in a complete shutdown of reality. Some people will completely deny the event or move through their process in a state of shock.  It is important to come to grips with your situation so you can prepare to deal with it.
   1. Bargaining – It is not uncommon for people to rationalize their behavior and seek to make a deal with their faith as a way to absolve them of the act.  In reality the only real deal is the one your attorney can make with the courts and any injured party. Whatever arrangements you make with your spiritual beliefs are up to you and as valid as your actions to make things right.

1. Guilt – Without a doubt any sane person will feel guilty for their DUI.  The levels      of guilt are often associated with the severity of the crime.

• Anger – This is a common emotional response that can include being angry at the cop that pulled you over, the bartender that gave you that last drink or some person real or imagined that “caused” you to tie one on.  The truth is less flattering because no one put a gun to your head and made you drink and drive. Be real, you are angry at yourself.  That’s understandable but be careful to recognize this was a mistake and an error in judgment. Beating yourself up forever will only leave you bruised with the emotional damage preventing you from putting your life back together.

• Depression – Feeling sad about what you have done and are going through is perfectly normal. The key to life is to not make it the focal point of your existence.  Talk to someone; a doctor, counselor, friend, religious leader or whomever as long as you don’t hold it inside and suffer in silence.  This will do nothing but eat away at you.  Take a breath and get help.

Acceptance –

Eventually it is necessary to accept what has happened and work through it.  It will not disappear so you might as well face it and do what you must.  It will get better as you move towards the resolution.

As you experience these stages be aware of the effects they will have on yourself and others.  For yourself a feeling of isolation, loss of appetite, sleeplessness and complete lack of caring about anything can take hold of you.  Remember that what you feel are also emotions your loved ones can be affected by as well.  Be strong and keep focused on the daily tasks that provide you with something to do. Set your goals and objectives to set yourself on the right course and stay on it until you have completed it.  Occupying your time with constructive tasks can help keep you balanced, and as you accomplish each item you will feel better and still of value.

Financial –

Your financial obligations may include more than the fines and court costs, getting the help to cover your assets can help you with more than just holding onto your piggy bank. The emotional toil taken from you by weathering the storm that can leave you in monetary ruin can be averted or at the least alleviated to some degree.  

Your financial losses may have a projected estimated amount of $10,000 when adding up your bail, fines and fees yet this is not considering how much you could pay if another party is involved that has incurred damages and/or injury.

Here are some of the basic expenses you could incur.

• Bail = $150 – $2,500+ depending on the court and bond company.
  • Towing = $50 and up depending on the city, the towing company and impound lot.
    • Medical costs (if applicable) = cost projections can be anywhere from just the cost of an co-pay for your doctor’s visit to thousands of dollars depending on the kind of injury you and other parties that may have been involved have sustained. The cost of follow treatments, medications and therapy just compound the costs.
    • Legal = Attorney fees can range from a low rate of $150 per hour to several hundreds of dollars.  You should expect many hours to be accumulated during your entire process.
    • Insurance = your insurance rates will go up or your insurance could cancel your policy. If they keep you it’s not unusual for the rate to rise 3 times what they were before.

It is important to protect yourself and your family.

1. Posting Bond – One of your first expenses will be when you have to put up money for your bail should you be jailed when first arrested. Usually bail bondsmen will put up the bond for the court. You will be responsible for 10% of the full amount of the bail imposed by the court which is paid to the Bail agency.  This is merely a down payment and a promise to you and the court that you will appear at the hearing. If you fail to appear the court will revoke your probation and charge the Bond Company with the full amount of the bail. The bondsmen will in turn charge you this money and come after you for payment. Now you’ll have the police and Dog the Bounty Hunter after you. Not a good place to be.
2. Because you may be sued for money beyond what your insurance will pay out it is best to seek help from a financial advisor.  If you have financial holdings that could be attached or seized you may want to discuss how best to protect your assets.
3. Get a plan together – examine your current income stream, what you are obligated to pay out for restitution, classes etc., and develop short range and long range goals and objectives for your future needs. Keep in mind that whatever present situation, things change; plan for all things possible.

    Explanation of SR-22 Auto Insurance – 5

An SR-22 is the name of the insurance certificate required by law when you have been convicted of a DUI/DWI.  This type of policy is not cheap and it is obligatory to have and maintain if you want to drive. Most states will make you carry this type of policy for at least three to five years.

The good news is by acquiring the SR-22 you will have a better chance of getting restricted driving privileges. If you don’t own a car but intend to drive you will still need to get the NON SR-22 Certificate to cover you if you are given permission to drive someone else’s vehicle. Be aware that if you are convicted of driving under the influence plus it was proven that you refused to submit to a chemical blood or breath test, you can kiss the restricted license goodbye.

When you need to obtain a SR-22 the likely thing to do would be to contact your current insurance company.  Unfortunately since most insurance companies do not lean favorably towards those in need don’t be surprised if they drop you like a hot rock.  They might offer you a policy however the cost could be almost 3 times as much as you had paid previously. Many auto insurance companies don’t even offer them because the policies are associated with “high risk” individuals that most companies prefer to avoid.

If you drop or cancel your SR-22 the DMV will be informed and your license will be suspended until you have reinstated your policy.  Should you miss an insurance payment you could forfeit the policy and have to go through the process of picking up another one. However if you continue as required, uninterrupted, after 3 to 5 years you will automatically be granted removal of the SR-22 status and reinstate your normal driving privileges.

Most states require an SR-22 and only a few don’t.  For example in California a SR-22 is an absolute however if you were to move to another state it doesn’t automatically carry over.  Check each state to make sure you are in compliance. Remember the reverse is just as true so if you move from a state that doesn’t require you to file a SR-22 to one that does it’s best to get your policy as quickly as possible to avoid any problems with the police. If you are caught driving in a state and don’t have the proper insurance you could lose your license, have to pay more fines or even be required to serve more time in jail.

If you don’t own a vehicle then the type of insurance you will require to have to continue driving is called a Non Owner SR-22 Filing.  This tells the DMV that the insurance company has issued minimum liability coverage for you. Don’t misunderstand the difference between this and the standard SR-22.  The Non Owner SR-22 only convers the driver and not any vehicle he or she operates.  The coverage is the minimum required by law for basic liability.

Some auto insurance company’s offer SR-22 coverage, however not all of them charge the same amount. 2^nd Chance Insurance specializes in providing the most competitive rates from insurance carriers.  We understand the requirements you need for your coverage both legal and financial.  

At 2^nd Chance Insurance we’ve been where you are and can help you with all your insurance needs.  Let the people that have walked a mile in your shoes give you a 2^nd Chance.

Smaller summary chart to show the steps simple and easy 1..2..3..4..5

           Summation

                          “How you start the race, necessarily isn’t where you’ll finish.”

We hope you have learned more about what happens when you are arrested for a DUI/DWI and that this booklet has been informative and helpful when addressing the serious consequences of being charged with impaired driving. Please be mindful of the specific laws that pertain to driving under the influence in your State.  As always, seek the advice of an attorney if you ever find yourself in this or any situation that would require legal counsel.

2^nd Chance Insurance is dedicated to providing the most competitive quotes for your auto insurance needs. We specialize in SR-22 auto policies and understand the importance of fulfilling the insurance requirements placed upon you by the courts. It is our mission to offer more than merely quality insurance coverage at the most cost-effective rates.  We have been where you are and want to give the kind of understanding, quick response, top-flight service and attention to detail that is often over looked by those finding themselves lost and alone at this difficult time in their lives.

At this moment emotions can run high and a sense of panic and hopelessness may be the overwhelming feeling.  Take a breath and remember this is an episode in your life and not the end of it.  We are here to help bring reality and facts to your situation but most importantly we want to let you know things can and will get better.  Over the course of the coming weeks and months there will be much to get through however as you do,  keep in mind that the whole of your life is not encapsulated within one incident.  There is no denying this is a defining moment but that is what we all must face at various times.  The success of your life depends upon how you deal with it.

This is an opportunity to do things right and we can help. This booklet has offered a synopsis of important information you will need to know and act upon. The hardest part of the longest journey is always the first step.  Reading this booklet is the first positive action that will be followed by many more.  As you move forward be aware that there will be challenges, setbacks and times when things feel impossible.  

Nothing is impossible. This will be difficult and overwhelming at times, but keep your mind set on the ultimate goal and you can make it.  

Others have gone down this road before you, survived and even thrived and we believe you can as well. One step at a time, one action to be followed up by another and before you know it you will have satisfied your conditions and be able to get back to your normal life.

Contact us at 2^nd Chance Insurance for the next phase and how to get the right SR-22 auto insurance policy that meets your specific needs for court mandated conditions and the best rates for your budget.

We are here for you because we know everyone deserves a 2^nd Chance.

---

---

DISCLAIMER: The information contained in this e-booklet is not legal advice but is rather intended to provide guidance for those individuals that have had a DUI/DWI. If you have been charged or convicted of a crime it is best to contact a qualified attorney for legal advice and consul. 2^nd Chance Insurance is not a legal resource and has provided this booklet purely as information. We implore those reading this to seek legal and therapeutic consoling in order to help them through this difficult time.