Why is it considered alcohol impaired driving if one has a BAC of 0.08?
Martin : Why is it considered alcohol impaired driving if one has a BAC of 0.08, would it really matter for auto insurance? Why is it considered high risk insurance?
Response : Martin, a lot of questions but relevant ones. Alcohol impaired driving or DUI driving under influence or driving under intoxication is when one has BAC levels of 0.08 and beyond. This figure has not been arrived just from the thin air but based on research, statistics and scientific data all combined. Even if you consider the recent statistics gathered by the NHTSA National Center for Statistic and Analysis than the data for the past ten years bespeaks of the fact that BAC levels of 0.08 or higher have been found in cases of motor vehicle accidents and fatal losses.
What is more disturbing is the fact that the incident of alcohol impaired driving at these BAC levels have lead to fatal accidents in children. Below are some statistical data from the NHTSA.
Children
In 2008, a total of 1,347 children age 14 and younger were killed in motor vehicle traffic crashes. Of those 1,347 fatalities, 216 (16%) occurred in alcohol-impaired-driving crashes. Out of those 216 deaths, 99 (46%) were occupants of a vehicle with a driver who had a BAC level of .08 or higher. Another 34 children age 14 and younger who were killed in traffic crashes in 2008 were pedestrians or pedal cyclists who were struck by drivers with a BAC of .08 or higher.
The national rate of alcohol-impaired-driving fatalities in motor vehicle crashes in 2008 was 0.40 per 100 million vehicle miles of travel.
The above would make it very clear to you that this would make the claim ratios very high for the insurance companies and naturally they would than classify this as high risk and charge a premium or DUI car insurance based on the nature of the risk which is obviously very high. The Government and the traffic department would also insist that such DUI offenders should carry a SR22 form and take SR22 car insurance which is given by the specialty insurers, who underwrite these risks.
DUI car insurance or high risk drivers are also served in the market since this is their need and with the keen competition cheap sr22 insurance or affordable DUI car insurance can be obtained.
Thanks.
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DUI Car insurance
Tagged with: Bac Level • Bac Levels • Car Insurance • Cyclists • Dui Offenders • Fatal Accidents • High Risk Insurance • Insurance Companies • Intoxication • Motor Vehicle Accidents • Motor Vehicle Crashes • Motor Vehicle Traffic • Nhtsa • Occupants • Pedestrians • Research Statistics • Some Statistical Data • Sr22 insurance or sr22 form • Thin Air • Traffic Crashes • Traffic Department
Filed under: Auto insurance Claims • Driving habits- bad, risky, high claims • DUI & SR22 insurance • Latest news - DUI
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With a .08 BAC you are Driving Under the Influence however depending on which state you live in, if you are higher then a .08 you may receive harsher fines and stricter punishment. Also depending on your state, if you are under the age of 21 then you have a ZERO – TOLERANCE law, which must be taken into consideration.