Important info

Introduction to auto insurance quotes in Canada

Your auto insurance is there to protect you against financial loss if you are in an accident. Your auto insurance is, essentially, a contract between you and your insurance company. You pay a premium, and in return, the insurer agrees to pay for any losses as they are defined in your car insurance policy.

Auto insurance and the law

In Canada, it is the law to have auto insurance. Your car insurance is valid anywhere in Canada and the United States. It’s a good idea to take your proof of car insurance with you whenever you drive because you must produce it if a police officer requests. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.
In Canada, each province and territory establishes their own required minimum insurance coverage. However, you often can get options that go beyond the basics. One of the nice things about insurance is that you can modify your policy to make certain that you’ve got the exact protection you require, without paying for extra insurance you may not need.
The law does not require that you get car insurance to cover physical damages to your automobile. However, if you have a newer automobile you’ll want to protect your investment and consider purchasing Collision and Comprehensive coverage.

What does auto insurance cover?

Your auto insurance generally provides property, liability and medical coverage:

• Property coverage pays for damage or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Welcome to San Diego County DUI Law Center's California Drunk Driving Defense Resources

If arrested for a San Diego DUI, you need a Top-Rated San Diego DUI defense lawyer. San Diego California DUI criminal attorney Rick Mueller is a highly specialized San Diego DUI & DMV defense lawyer who personally & aggressively handles your entire San Diego DUI problem.

Browse this Premier San Diego DUI Lawyer Info Source

Complete, worry-free San Diego DUI information shows you California drunk driving laws, California DUI penalties, San Diego DUI police evidence, saving your California or out of state driver's license, DMV suspensions & hearings, what must be done within 10 days of a San Diego DUI arrest, San Diego DUI courts & DMV, San Diego DUI courts, San Diego DUI breath test defenses, San Diego DUI blood test defenses, avoiding a San Diego DUI, military base DUI, San Diego DUI expungement, San Diego DUI attorney & lecturer Rick Mueller's exclusive drunk driving defense biography with extensive experience since 1983, why you need a premier San Diego DUI Specialist attorney, and what is now important to do next.

San Diego DUI Attorney Consultation

Please first take a few minutes to complete a Free San Diego DUI Evaluation to (a) find out your best San Diego DUI strategy, (b) keep you driving and (c) immediately receive helpful emails & a proposal from San Diego DUI lawyer Rick Mueller to handle your case. Or call Rick now on his cell phone at (619) 218-2997.

What you must do within 10 days of being arrested
If you need to save your California or state driver's license or privileges, your San Diego DUI defense lawyer has only ten (10) calendar days to contact San Diego DMV to schedule a hearing! Do not schedule yourself because if you contact San Diego DMV to schedule an administrative per se hearing date conflicting with your San Diego DUI defense attorney's calendar, DMV will not reschedule, meaning you may not get the San Diego DUI lawyer of your choice. There is no rush as long as your chosen San Diego DUI attorney contacts or serves DMV by the tenth day from your San Diego drunk driving arrest or your pink DMV order of suspension served on you after a San Diego DUI detention. San Diego California DMV attorney Rick Mueller has a video showing other San Diego DUI lawyers how to carefully attack & knock out just a single DMV issue (and there are many complicated DMV sub-issues) to save your driving privilege in order for you to avoid the reissue fee and/or the filing of an SR-22 Proof of Insurance Certificate.

Who is San Diego California DUI Lawyer Rick Mueller?

As San Diego's DMV Guru, San Diego DUI attorney Rick Mueller has successfully saved the driving privileges of many happy clients. San Diego Drunk Driving lawyer Rick Mueller dedicates 100% of his law practice to vigorously defending those accused of a DUI in San Diego county.

Rick is the only San Diego DUI lawyer who is the Editorial Consultant for the most comprehensive reference book for California DUI law, California Drunk Driving Law, the book known as California's Bible of DUI Defense. Rick is a Specialist member of the California DUI Lawyers Association, and a member of the National College for DUI Defense & the National Association of Criminal Defense Lawyers.

Rick Mueller is the attorney for the San Diego County DUI Law Center, a Professional Corporation, which focuses on California DUI and DMV law. He has been in practice since 1983 and received his Juris Doctor degree from Chicago Kent College of Law.

On August 1, 2009, Rick taught at the Mexican American Bar Association's annual DUI seminar at Loyola Law School in Los Angeles.
On September 27, 2008, Rick recently lectured on Advanced Strategies and Tactics for Handling California DMV APS Cases at the California Attorneys for Criminal Justice Annual Rules of the Road DUI Seminar, in Rancho Mirage. Rick has been a featured Speaker at numerous DUI / DMV seminars in San Diego County in the last several years and is frequently chosen to deliver lectures on the subject of defending driving under the influence cases and DMV hearings. Rick regularly speaks at Strategies in Handling DUI Cases seminars, and has spoke at the DUI & Drug Defense seminar, the Bar Association's Drunk Driving - DMV seminars, and the California Public Defenders' DUI training seminars.

Well-known and highly respected attorney Rick Mueller specializes exclusively in California DUI and DMV law. With extensive experience and valuable resources, Rick has earned a reputation in California for successfully representing DUI / drunk driving clients and is considered to be among the best DUI defense lawyers in San Diego.

Rick's knowledge is often sought out by other criminal defense attorneys in San Diego who take on DUI cases. Rick stays on the cutting edge of DUI / DMV issues in San Diego California drunk driving defense cases by keeping up with current California DUI laws, the latest California drunk driving case rulings, DUI science literature, national & California state legal treatises, and scholarly articles written in the area of San Diego California DUI / drunk driving defense.

For independent ratings of San Diego DUI attorney Rick Mueller and other lawyers so you can choose the right lawyer

* World's largest legal directory
* Unbiased Avvo Rating
* Disciplinary sanction history (none)
* Ratings and reviews from clients & other DUI lawyers

Your San Diego DUI

San Diego California DUI lawyer Rick Mueller understands how devastating an arrest for a San Diego DUI - driving under the influence of alcohol and / or drugs can be. You may have had your license taken away and / or served a pink DMV order of suspension, had you vehicle impounded, and spent the night in San Diego County jail.

You may face loss of employment, family repercussions, San Diego County Jail custody, loss of your driving privilege, huge fines, California DUI alcohol program, a vehicle ignition interlock device, vehicle impound/forfeiture, community service, trash detail, DMV hassles, high California DUI insurance rates, . You may be worried, suffering from unnecessary anxiety, and seek immediate help. You may not know what to do, how to do it, or what to do first. You really want sincere solutions to your San Diego DUI. Proper San Diego DUI help is here.

A San Diego DUI / Drunk Driving conviction can result in loss of reputation, costly fines, attendance at alcohol or education classes, suspension or revocation of your license, stigma, and increase in and / or cancellation of automobile insurance, installation of an ignition interlock device in your car, and, in perhaps, jail or prison. In San Diego California, where drivers must use freeways, and public transportation is generally lacking, losing the privilege to drive can ruin a person's employ or career, not to mention one's personal life.

San Diego DUI lawyer Rick Mueller personally handles every San Diego drunk driving case with the needed care and attention you deserve. Initially, Rick can immediately show you how to get your hard copy California driver's license back today and successfully help you get your driver's license suspension stayed (stopped) pending resolution of the DMVstop 'n snatch / administrative per se hearing. You will be free to drive anywhere in San Diego & elsewhere: to work, school, and other personal places you like to go to.

Rick will personally do a thorough San Diego DUI defense investigation & DUI discovery process, including Rick's personal review of each and every document, police report, DMV DS 367 sworn Officer's Statement, San Diego DUI test record, San Diego DUI witness statements, and your version of events by you completing the critical free San Diego DUI attorney Evaluation. San Diego DUI / Drunk Driving lawyer Rick Mueller will undoubtedly strive to successfully achieve the best possible outcome for you!

How can you know if you found a qualified San Diego California DUI Lawyer for yourself?

Various types of lawyers handle San Diego drunk driving cases, including public defenders, general practitioners, criminal defense lawyers, and DUI Specialist attorneys.
Some excellent questions to begin asking when searching for a San Diego California DUI lawyer are:
" What are his/her California DUI attorney's qualifications?
" Is he/she a Specialist member of the California DUI Lawyers Association?
" How long has he/she been a member of the National College for DUI Defense?

" Does he/she teach other attorneys in San Diego how to handle DUI cases?

" Is he/she a Contributing Editor to the Bible for California DUI Defense - California Drunk Driving Law?

" Was he/she recently asked to be a Contributing Editor/Author to the hottest/best-selling DUI book: Attacking and Defending Drunk Driving Tests?

" Does he/she maintain a library of DUI materials, books, manuals, studies, memos, points & authorities and documents solely designed to help a person accused of a San Diego County DUI?

" How much of his/her practice is DUI Defense?

" Is he/she quick and thorough when responding to emailed questions or concerns?
Whether or not you ultimately end up hiring a San Diego California DUI & DMV Defense Lawyer Specialist with this much experience, it is a smart idea to look closely at the credentials of a California DUI Lawyer Specialist in this highly complex field.

San Diego County Public Defender?

If you think you can get a Public Defender, think again. If you have a job or assets, you simply do not qualify. If you apply for a Public Defender, you will have to swear under oath. If you do meet the financial eligibility criteria for a public defender for the Criminal Court side of your DUI case: (a) public defenders do not handle DMV matters; and (b) your court appointed attorney will not be available to discuss your DUI case with you until they have been officially appointed by the Judge no sooner than the date of your first court appearance, or arraignment. Being that the 10 day grace period for requesting a DMV Licensing Hearing would have already lapsed, it is strongly recommended that you retain a qualified and proven a San Diego DUI Attorney Specialist to represent your quasi-civil matter with the Department of Motor Vehicles.

US Mail Privacy Warning: San Diego Attorneys Mail You "DUI" Mail After Your Arrest!

You may be feeling a little down. It gets more depressing when you see your mail.

Don't want persons living at your home to know you were arrested? Hurry home.
Why? San Diego attorneys send "Jail Mail."

Some San Diego lawyers pay $ for your name and address. They solicit you with outdated, invasive, and unreliable "DUI" letters.

Your mail box gets filled with embarrassing words printed on the envelopes:

"DUI"
"Drunk Driving"
"Arrested"
"Former Prosecutor"
"Court-related "
"DMV"
"Legal Advertisement"
"Urgent"
"Law Offices"
"Attorney"

If you are looking for a cheap lawyer, you may want to read some Junk Mail. (Coupons & rebates are enclosed in some letters.)
On the other hand, for obvious reasons, you probably want to retain the best San Diego DUI & DMV Defense Lawyer you can afford.

Remember: Good San Diego lawyers are not cheap. Cheap San Diego lawyers are usually not any good.

And whether or not the lawyer or attorney sending mail in San Diego are really DUI lawyers or DUI attorneys is an important Question.

The pursuit for higher education can be an expensive endeavor both financially and emotionally. For such a noble quest, it is a shame that it must be pursued under the looming shadow of overwhelming loan payments. It is well worth your time to look into the options available for consolidating your student loans. Read on to learn how to consolidate your private student loans. It may keep you from what can amount to a life sentence enforced by your creditors.

1. 
   
   Step 1
   
   List all the outstanding private student loans that you owe, listing them in order from the highest balance to the lowest. For each one, list the interest rate, pay off amounts, loan period and payment address.
   
   
2. 
   
   Step 2
   
   Review the terms on each of your current loans. Terms such as pre-payment penalties may make it prohibitively expensive to refinance a particular loan by consolidating it with another.
   
   
3. 
   
   Step 3
   
   Clean up your credit report. When you apply for to consolidate your student loans, the interest rate will be based on your credit score. It is essential that your review your credit report and make sure there are no errors, which are common on most credit reports. If you have paid off a loan or closed a credit card and it is still listed on your credit report, it can significantly affect your credit score. Make sure that any errors are corrected.
   
   
4. 
   
   Step 4
   
   Determine your objectives for consolidating your student loans. The different student loans typically do not compete on interest rates, so they are pretty similar from one education lender to the other. However, here are some objectives that you can accomplish by consolidating your student loans:*You will have a single payment rather than two or more, making it easier to manage the loan.*If one or more of your private student loans has a variable interest rate, consolidating into a home equity loan will lock in your interest rate.*You can benefit from lower monthly payments because, by consolidating the loans, the terms are re-set, extending the amount of time you have to pay-off the loan. This does come at a price, though, because you will end up paying more in interest.*If your credit score has improved by 50 to 100 points since you applied for the loans, you can save significantly by consolidating because your interest rate will be much lower.
   
   
5. 
   
   Step 5
   
   Research the different terms that are offered by different education lenders. Pay particular attention to any pre-payment penalties. Verify whether the interest rates are fixed or variable. If you apply with a co-signer, find out when you can remove the co-signer from the loan. Find out the associated costs such as loan origination fees, and whether or not you can roll them into the loan if you choose to. Find out additional incentives offered by each lender such as interest rate reduction for setting up automatic payments from your bank account.
   
   
6. 
   
   Step 6
   
   Consider the pros and cons of consolidating with non-education lenders. Consider applying for a personal loan from your bank. Consider a home equity loan.
   
   
7. 
   
   Step 7
   
   Contact one of your current loan company. They may agree to consolidate all loans at a lower rather than lose you as a customer.
   
   
8. 
   
   Step 8
   
   Short-list the education lenders (and/or non-education lenders). Compare and make your selection. Apply to consolidate your loan.