If you drive like you are the only one on the road, you are not going to like Oklahoma City.

Don’t be the bad driver that stands out in the crowd breaking the law or you will find yourself with no driver’s license in Oklahoma City.

Not only is driving without insurance not tolerated in Oklahoma City, or anywhere in Oklahoma for that matter, but neither is bad driving. Bad driving can lead immediately to your license being taken away, in addition to whatever other fines and penalties you face.

And even though the State of Oklahoma is who makes the insurance laws, Oklahoma City still has the authority to enforce them. And uninsured drivers in Oklahoma City are treated no different than other bad drivers.

Automatic License Suspensions in Oklahoma City

In Oklahoma City, good drivers that obey the law and don’t use their vehicles in criminal acts can feel safe knowing that the city cracks down on those that do. Instead of allowing a bad or criminal driver continue to put the rest of the drivers on the road in Oklahoma City in danger, the city just automatically revokes their license once they are convicted of any of the following:

• Manslaughter or homicide with a motor vehicle
• DUI/DWI
• Committing a felony with the aid of a vehicle
• Failing to stop and help a person injured in a car accident
• Committing perjury or making a false statement in regards to the ownership or use of a vehicle
• “A misdemeanor or felony conviction for unlawfully possessing, distributing, dispensing, manufacturing, trafficking, cultivating, selling, transferring, attempting or conspiring to possess, distribute, dispense, manufacture, traffic, sell, or transfer of a controlled dangerous substance as defined in the Uniform Controlled Dangerous Substances Act while using a motor vehicle”
• Pumping gas and leaving without paying
• Reckless driving
• Not obeying a traffic device and causing a car accident that seriously injures or kills someone
• Not stopping for a school bus that is loading or unloading kids

There are more ways to get your license revoked than what is listed above, but these are the main acts that are committed that lead to it.

No Car Insurance Penalties in Oklahoma City

Another way to get your license revoked in Oklahoma City is to drive around without the required car insurance coverage. In addition to the license being revoked, an uninsured driver will also face a fine of up to $250 and possibly 30 days in jail.

To make sure you don’t end up on the bad side of the law make sure that you have no less than $25,000 in property damage liability coverage, $25,000 for bodily injury liability coverage for one person, and $50,000 in bodily liability injury coverage for two or more people. All three of these coverages pay for any damage you do to another person or their property with your vehicle. The coverages do not pay for any damage to your vehicle or for any medical bills you may end up with, those car insurance coverages is extra/

Even if you do have the insurance coverage, make sure that you have your proof of insurance with you. Failing to provide verification of your Oklahoma City car insurance can still lead to the same fines and penalties of not having the coverage at all.

Being Reckless in Portland Includes Minor Traffic Infractions and Driving Without Insurance.

Keeping your driving in Portland as calm as the Columbia River is in this picture will keep you from getting a reckless driving ticket.

Bad driving, driving under the influence, and driving without insurance are all ways to drive recklessly. But in Portland there are so many easier ways to find yourself with a reckless driving ticket, ways that you may not have even realized.

Reckless Driving Law in Portland

Many of us think of reckless driving as whenever someone is swerving all over the place, having a road rage fit, or just basically doing anything that is getting them dangerously close to causing a car accident. In Portland, yes, acting this way will get you a reckless driving ticket by the police.

But, you can also get a reckless driving ticket for committing any two of the following seemingly innocent traffic infractions:

• Failing to signal
• Speeding in a urban area
• Stopping or slowing down illegally
• Backing up your car illegally
• Illegal lane change
• Passing a vehicle on either the left or right unsafely
• Tailgating
• Passing in a no passing zone

Reckless driving in Portland is treated as a Class A Misdemeanor.

Driving Safer by Having Portland Car Insurance

Just having Portland car insurance doesn’t automatically make you a safer driver behind the wheel, but is does make you a safe driver for having it. It also makes you a driver that is driving legally, since both Portland and the State of Oregon have deemed insurance a mandatory part of driving.

The minimum requirements that have been set forth by the State of Oregon, and enforced by every level of law enforcement in the state include:

• $15,000 in pip coverage
• $25,000 in liability coverage for injuries to a single person, and $50,000 in coverage total for injuries to two or more people
• $20,000 in liability coverage for damage done to another person’s property
• $25,000 per person in uninsured motorist coverage and $50,000 for per crash

Penalties for Driving Reckless Without Portland Car Insurance

While having insurance doesn’t make you a safer driving behind the wheel, it does make you a reckless driver for not having it. For not having Portland car insurance you will face fines, could have your vehicle towed away on the spot, and could also have your driver’s license suspended.

Furthermore, you can also face the possibility of having to carry SR-22 insurance on your Portland car insurance for the next three years. SR-22 insurance is a “proof of future responsibility” coverage that is added to the price of your basic Portland car insurance, so you will now be paying even more for the insurance that you were trying to get out of paying earlier.

In Milwaukee, making noise and failing to carry proof of insurance are two big no-noes.

The proud, but quiet, flag of Milwaukee.

The only thing that I knew about Milwaukee before I started researching their traffic and car insurance laws was baseball and brews. Oh, and Laverne and Shirley lived there.

And while the insurance laws I found are pretty typical of everywhere else around the nation, I was impressed by the vehicle noise laws.

Quiet, Please in Milwaukee

Going through the Milwaukee traffic laws was very interesting. While I am sure other large cities have similar laws, this is the first time I have seen actual penalties and restrictions on the books for noisy cars.

Straight from the Milwaukee traffic laws is the first law for noisy car horns:

“If an automobile horn, as provided for by s. 347.38, Wis. Stats., malfunctions on public or private property within the limits of the city and emits an audible continuous sound for more than 3 minutes, and if the operator or owner of the vehicle cannot be located after a reasonable attempt to find said operator or owner, the malfunctioning horn shall be deemed a nuisance, and the police department shall summarily abate the nuisance by any reasonable means.”

The second noisy car law that follows soon after the first one:

“PROHIBITED. No person shall make unnecessary and annoying noises with a motor vehicle, by squealing tires, excessive acceleration of engine, by emitting unnecessary and loud muffler noises, or by suffering or permitting his or her unattended motor vehicle’s audio alarm to be activated without evidence of any tampering with the doors, locks, windows or any other part of the motor vehicle.”

These are just two of the noise laws in Milwaukee, both of which carry penalties and fines for breaking them, including possible jail time.

Milwaukee Car Insurance

Milwaukee car insurance requirements are determined by the state of Wisconsin. In fact, Wisconsin decides the insurance requirements for everybody in the state just to keep things simple and the same across the board.

So if your vehicle is registered in the state you are required to carry no less than $10,000 in Milwaukee car insurance coverage for any damage that you may do to another person’s property with your vehicle. This coverage is called property damage liability coverage.

You are also required to carry coverage to pay for any medical expenses related to a car accident that you cause. This coverage is only for people that were not in your vehicle at the time of the accident. This particular Milwaukee car insurance coverage is called bodily injury liability coverage, and you can have no less than $25,000 in coverage for a single person injured and $50,000 in total coverage with this coverage to be able to legally drive in Wisconsin.

So travel safe and travel quietly and you will be just fine in Milwaukee.

In Louisville, if it has a license plate it has to have Louisville car insurance.

Hit a homerun by keeping your Louisville car insurance current.

Louisville’s car insurance requirements are determined by the state of Kentucky, but enforced on both the state and local level. And while there has been some improvement in certain accident statistics, other statistics should be enough to scare anyone into buying insurance even without being forced to by any level of state law enforcement.

Louisville Car Accident Trends

Each year the number of car accidents that happen around the nation increase and Louisville is not exempt from these increases. In 2011, Jefferson County (where Louisville is located) saw 988 more car accidents than what they had in 2010.

Year after year Louisville and its surrounding county continue to see increases in the number of car accidents. If you have managed not to get into an accident and think that you are okay driving without insurance, with more accidents happening each year just how long do you think your luck will hold out?

Increases were seen in both property damage only accidents, and non-fatal injury accidents. However, there was a decrease in the number of fatal accidents that happened in Jefferson County in 2011. In 2011, 12 fewer people died from car accidents than they did in 2010. And for any of the car accident statistics, the fatality statistic is the one that you want to see decreased.

(source: Kentucky State Police)

Louisville Car Insurance

Many drivers in Louisville think that they have car insurance to cover any vehicles they drive; this is not correct. Louisville car insurance covers vehicles not drivers. This is why the state tracks all of the vehicles that are licensed in Kentucky and not all the driver’s licenses; to make sure that there is car insurance in place for the actual vehicles that are on the road.

As the owner of the vehicle, you are responsible for making sure that it has no less than the following Louisville car insurance coverages if it is licensed, regardless of who is driving it:

• $25,000/$50,000 bodily injury liability coverage
• $10,000 property damage liability coverage
• $10,000 pip coverage (if you choose to go with the “no-fault” insurance system)

Driving Without Kentucky Car Insurance

“Insured: The Only Way to Drive”, is the motto of the Kentucky Transportation Cabinet. Not only in principle are they correct, but literally with the way they enforce their insurance laws for Louisville car insurance.

Because they track whether or not you have insurance on your vehicle electronically, there is no way to get away with not having insurance like you can in some other states. Once Kentucky finds out that your Louisville car insurance has been cancelled, you will be sent a letter stating that they have been informed that you have no car insurance and that you must bring in proof you are still insured.

If you cannot provide proof that you were covered or you ignore their letter, your vehicle registration will be suspended. To get it back you have to satisfy all penalty requirements, including getting a new Louisville car insurance policy.

Car insurance may be required in Memphis, but you are better off having it than not with the cities accident statistics.

Make sure you have active Memphis car insurance just in case you become a Memphis car accident statistic.

How safe your driving experience in Memphis is depends on you the driver, but with Memphis’ accident statistics all drivers needs to be on the defensive when driving there. Memphis may not be as large as New York, Dallas, or Los Angeles, but its regular car accident statistics compared to the rest of its state’s accidents is high in comparison with the statistics of other large cities.

And this means that if nothing else, you should be scared to drive around without Memphis car insurance coverage. You just never know when your luck will run out, and it’s time for you to be one of the accident statistics.

Memphis Car Accident Statistics

In 2012, Memphis had a total of 29,126 car accidents. This number is not much higher than the year before, with the city seeing only seeing an increase of 85 car accidents over the number of accidents in 2011. Compared to the rest of the state that had 170,722 car accidents in 2012, Memphis accounts for 17% of all the car accident in the entire state. This number is higher than other large cities around the nation that only account for 12-13% of their states accident total.

As far as fatalities, Memphis car accidents accounted for almost 9% of all fatalities in the entire state. But your chance of having a fatal accident compared to just having an accident is extremely low as less than 2/10ths of a percent of the accidents in Memphis end with a fatality.

(Source: TN Department of Safety and Homeland Security)

You Need Memphis Car Insurance to Drive

If you plan on driving around Memphis you need to make sure that you have car insurance coverage on your vehicle. This will not only help protect you and everyone else on the road from the damage from a car accidents, it is also the law.

To make sure you are driving with the legal amount of Memphis car insurance coverage required, talk to your local Memphis car insurance agent. They will make sure you have at least the following minimum coverages, and can advise you on any other coverage you may need:

• Property damage liability coverage of no less than $15,000
• Bodily injury liability coverage of at least $25,000 to cover the injuries of one person
• Bodily injury liability coverage of at least $50,000 for all injuries in an accident if two or more people are injured.

What Happens if You Get Caught Without Memphis Car Insurance?

Memphis car insurance requirements are actually set forth by Tennessee and are the same for everywhere within the state. The car insurance laws are also enforced throughout the state, and if you are caught without car insurance you can be subject to local penalties in addition to state penalties.

Statewide, if you are caught without car insurance both your driver’s license and vehicle registration will be suspended. And getting both back can cost you a lot more than just keeping your Memphis car insurance coverage current in the first place.