Is it true that Women in USA are involved in drunk driving? Will this affect their insurance rates?

Response : Unfortunately this is true drunk driving or dui insurance for woman is increasing.  The NHTSA study confirmed the FBI statistics showing that impaired driving by women is rising and there were more than 2,ooo deaths  because of this in USA alone. The number of impaired women drivers involved in fatal crashes increased in 10 states, and remained flat in five states-despite an overall decline of 9 percent in all drunk driver crashes in 2008 from 2007.

Once you are involved in a DUI or DWI than the insurance rate will definitely increase since you move from the low or medium risk to a high risk for the insurance companies. DUI insurance rates are much higher than the normal auto insurance rates. If you are involved in a fatal accident, you might be asked to have SR22 car insurance which is a form showing that you have insurance.  However, this is not something to panic about now with the internet, since the huge competition and internet makes online DUI insurance quotes and even cheap sr22 car insurance a possibility.

Connecticut is receiving $11.5 million in federal funds to combat underage drinking.

The state will receive $2.3 million in each of the next five years. It’s one of four states, including Colorado, Illinois and Tennessee, to receive the money from the federal Center for Substance Abuse Prevention.

The money will be spent on community coalitions across the state that will use various prevention techniques to reduce the use of alcohol by teens. The University of Connecticut Health Center will evaluate the effort and track any progress.

Gov. M. Jodi Rell says the state’s prevention efforts are already strong and that this grant represents a reward for Connecticut’s past success.’

This is good news for young drivers or teenagers involved in DUI and intoxication since it will help them reduce the use of alcohol by teen and thus keep your DUI insurance low or qualify you for cheap SR22 car insurance quote. Stop drinking and drunk driving.

Mike : Is it true that drunk driving is decreasing and alcohol-imparied driving is on the decline?

Response :  A new roadside survey by the National Highway Traffic Safety Administration confirms a continuing decline in the percentage of legally intoxicated drivers and alcohol-imparied driving.

In 1973, 7.5 percent of drivers had a blood alcohol concentration (BAC) of .08 or higher. In the latest survey, that figure had fallen to 2.2 percent. A BAC of .08 or higher is now above the legal limit in all 50 states and the District of Columbia.

Previous roadside surveys conducted by NHTSA have measured only alcohol. But the 2007 survey used new screening techniques that detected other substances as well and in the future may help show the extent of drug impairment among drivers.

The survey found 16.3 percent of nighttime weekend drivers were drug positive.

NHTSA is conducting further research to assess how drug traces correspond to driver impairment since some drugs can remain in the body for days or even weeks. Should further research indicate that drugs pose the same type of traffic safety risk as alcohol, NHTSA is committed to applying lessons learned in fighting the drunk driving problem.

Among the findings of the latest roadside survey are these:

• The percentage of male drivers with illegal BAC levels was 42 percent higher than the percentage of alcohol-impaired female drivers.

• Drivers were more likely to be illegally drunk during late nighttime hours (1 a.m. to 3 a.m.) than during daytime or early evening hours.

• Motorcycle riders were more than twice as likely as passenger vehicle drivers to be drunk (5.6 percent compared with 2.3 percent). Pickup truck drivers were the next most likely to have illegal BACs (3.3 percent).

Drunk driving DUI is always been a big issue for insurance companies and also the offenders since the insurance company would increase the auto insurance rates for high risk. However, do not be disheartened for you will find cheap  SR22 car insurance.

Glenn : Is it true that the insurance compaies can deny claims associated with the consumption of alcohol for auto insurance DUI claim?

Resonse : Yes, this is true. The Alcohol exclusion laws permit insurance companies to deny claims associated with the consumption of alcohol. They were passed in the 1940s in the United States to discourage people from drinking alcoholic beverages and to save insurance companies money from alcohol-related claims (Ensuring Solutions to Alcohol Problems, George Washington University Medical Center, 2007). It was believed that people would be less likely to drive while impaired or intoxicated if insurance companies could deny medical payments or other claims associated with any injuries associated with the consumption of alcoholic beverages. 41 states currently allow alcohol exclusions in health care insurance policies

There is to date no scientific evidence that exesive alcohol exclusion laws discourage drunk driving. In fact, some argue that these laws discourage physicians and hospitals from testing accident victims for possible alcohol in their blood (BAC). That’s because insurance companies can refuse to pay doctors and hospitals for treating patients found to have alcohol in their bodies. In short, screening for alcohol could lead to the loss of payments from insurance companies. Because of this, there is concern that alcohol exclusion laws help drunken drivers avoid detection and increase the likelihood that they will repeat their crime in the future . Nine states now prohibit alcohol exclusions and several more are currently considering such action.

The insurance industry supports alcohol exclusion laws. On the other hand, the professional organization which regulates that industry, the National Association of Insurance Commissioners, has voted unanimously to recommend the repeal of alcohol exclusionary laws. Other groups supporting their repeal include the National Conference of Insurance Legislators, the American Bar Association, the American College of Emergency Physicians, Mothers Against Drunk Driving, the National Commission Against Drunk Driving, and the American Medical Association.

Jett Travolta : Is SR22 car insurance a type of car insurance? What does it cover?

Response :  SR22 car insurance is actually not a type of car insurance. People often misuse this term to refer to a special type of form that your auto insurance provider must furnish to your local department of motor vehicles (or similar form of government entity) as proof that you have the minimal amount of liability insurance required by that state. There are certain insurance companies that furnish SR22 forms. This is a mandatory requirement from the goverment for a person who is involved in  any or a combination of the following:

• The individual was involved in a serious accident and was at fault
• The individual was charged with a serious traffic offense (such as a DUI)
• The individual was previously unable to show financial responsibility for carrying an auto insurance policy.

The aforementioned items cover most of the reasons why an individual would need an SR22 Car Insurance policy although some states have very particular and unique reasons for requiring some individuals to have an SR22 form noted on their record.

So, how does SR22 Car Insurance affect your auto insurance coverage and premium? Typically, I believe the most common reason people need to file an SR22 is because he or she has been convicted of a DUI. In this case, when that person seeks auto insurance coverage he will be turned away by the personal  auto insurance  companies. This insurance is provided by the speciality class of insurance companies who are involved in high risks.These companies will  provide insurance coverage and will charge high premiums. The reason being is that people convicted of a DUI are viewed as being the ‘highest risk’ to insure and thus insurance agencies will charge high premiums to compensate them for taking on such a risky driver.

Additionally, since other reasons for requiring SR22 forms are lack of financial responsibility and being involved in accidents where you are at fault, it appears that SR22 forms are only required for those that are higher risk drivers overall. These types of people are usually involved in one or more accidents, have traffic offenses such as speeding or DUIs, and have a lack of financial responsibility to pay for the insurance coverage. If you were the owner of an insurance corporation, would you charge these people more or less to obtain a policy from you?

So, as long as you’re willing to pay for it you can definitely obtain ‘SR22 Car Insurance’. Your insurance provider will automatically submit the form on your behalf to the DMV so no worries there. Check out for affordable Sr2 car insurance quotes. Happy motoring.