I live in Maryland and have a clean driving record (no accidents or citations in last 10 years). I pay a very reasonable amount for car insurance ($400 per year for liability coverage only--the car itself is not insured). When I go out, I almost always drink modestly (one or two drinks in 2-3 hours). I don't believe I am ever driving intoxicated.
This weekend, my roommate was pulled over for DWI, and he refused the breathalyzer test. I'm not convinced that was a good decision, but regardless of his decision, I would like to prepare myself in advance for what I should do if I'm pulled over.
It is my understanding that if I'm pulled over for suspicion of DWI in Maryland, I should refuse the Field Sobriety Test (FST), but should instead suggest that I would take a field breathalyzer test if the officer agrees to share the reading with me. Furthermore, it is my understanding that if taken back to the station for a breathalyzer or blood alcohol test, I should not refuse the test since the consequences of refusing are much larger than the consequences of failing the test for a first time offender, no matter how high the BAC reads. Question 1: Is this correct? Question 2: If I fail the BAC, what is likely to happen to my car insurance rates if (a) I successfully obtain Probation Before Judgment (PBJ); (b) I am unable to obtain PBJ? Question 3: Under what circumstances would a judge in Maryland typically allow a first time offender to have PBJ, and under what circumstances would a judge in Maryland typically refuse PBJ? Question 4: If I refuse the take a breathalyzer or blood alcohol test, what is likely to happen to my car insurance rates?
Next: it is my understanding that it is a crime to refuse a breathalyzer or blood alcohol test if I am pulled over on a federal parkway such as the Baltimore-Washington Parkway. Question 4: What happens in terms of criminal charges, license suspension in Maryland and insurance rates if I try to refuse?
Next: it is my understanding that Maryland has some reciprocity laws with the District of Columbia, Virginia and other states. Question 5: What happens in terms of criminal charges, license suspension in Maryland and insurance rates if I refuse a breathalyzer or blood alcohol test if pulled over in the District of Columbia? Question 6: what about Virginia? Question 7: what about some other state? Question 8: if I am pulled over in the District of Columbia, Virginia or some other state, as a resident of another state, under what circumstances should I refuse (a) a Field Sobriety Test; (b) a field breathalyzer test; (c) a station breathalyzer or blood alcohol test? Does this answer depend on what I think the test result is likely to be?
Thank you for any assistance or guidance you could provide.