dui car insurance accident

News DUI, DWI : Virginia Cracks Down on Underage Drinking and Driving prevent dui insurance

Statastics of Washington Regional show that DUI or DWI driving and auto accident resulting from this is the leading cause of death in the United States for 15 to 20 year-olds. In 2008, 31 percent of the teenage drivers who died in car accidents had been drinking. In 2009, Virginia police arrested over 1,000 people for underage driving under the influence. A teenager, young driver is injured in an alcohol-related auto accident every 16 hours in Virginia alone.

Virginia state lawmakers responded to the problem of underage DUI in February 2011 by passing a new bill. Starting July 1, 2011, Virginia’s “zero-tolerance” policy for underage drinking and driving will have increased penalties.

New Regulations and rules for DUI, drunk driving or DWI which are applicable- this will lead to less dui insurance, hopefully.

Before the new law went into effect on July 1, 2011, underage drinking and driving did not get mean going behind the bars. The penatly was only 6 months and fine of $500 and in some cases completion of Alcohol Safety Action Program (ASAP).

“Changes to the Law

After the new law goes into effect on July 1, 2011, the penalties for underage DUI will mirror those for underage consumption or possession in Virginia. Those under the age of 21 years found guilty of driving with a blood alcohol concentration (BAC) of .02 or higher will have a class one misdemeanor on their records. A one-year driver’s license suspension is now mandatory for those convicted of underage DUI, in addition to either a $500 fine or 50 hours of community service. Supporters of the law hope that the mandatory one year license suspension puts teeth in the law, since a driver’s license represents freedom for so many young people.

Virginia’s law is a zero-tolerance law and a BAC of .02 qualifies as “under the influence” for anyone under the age of 21 years old, even though people over 21 years old are not under the influence unless they have a BAC of .08 or higher. According to the National Highway Traffic Safety Administration, a person weighing 120 pounds can reach a .02 BAC by having one drink an hour.

In passing the new legislation, lawmakers reinstated the previous penalties for underage DUI that expired in 2008 in a sunset provision. Advocates of the new law argue that it eliminates the mixed message that the Virginia Code was sending Virginia teenagers by making possessing alcohol a more serious offense that driving after drinking.

Virginia legislators have proposed similar legislation in the past but the bills died because some believed that criminalizing a status offense would result in Virginia losing federal grant money for violating the Juvenile Justice and Delinquency Prevention Act. In this case, the law would treat drivers differently for having .02 to .08 BAC if they were under 21 years old than if they were over 21 years old. However, federal officials assured Virginia legislators that it would not be a problem for the state to crack down on underage DUI. After receiving that confirmation from the federal government, Virginia lawmakers passed the bill unanimously.

Advocacy groups support the new legislation as a positive step in eliminating the problem of underage DUI. Program manager for the Virginia branch of Mothers Against Drunk Driving (MADD) Christopher Konschak said that he hopes the new law will make teenagers consider the choices they make with respect to alcohol and driving. ” from Insurance News.

Checks on drunk driving for young drivers would cetainly prevent teen auto accidents and reduce dui insurance cases?

This is something which probably most other states would be doing, Canada- Ontario has already done this. This would also reduce the dui insurance cases and even the expensive teen auto insurances. Ofcourse you can go ahead and get more information on dui insurance.

Mark Hurd : How to look for affordable dui insurance?

DUI insurance are expensive

Response : Dui insurance is not easy to get and your car insurance is certainly going to sky rocket, Do not be surprised if the dui insurance cost that you would have to pay is as expensive as the car you bought. The liability cost is really huge when dui insurance is involved, since the accidents can be either fatal or catastrophic.
Dui, dwi or drunk driving all leads to issues and problems which you never ever dreamt of or believed to be really happening to you or your loved ones, when you were merrily having that extra glass of wine or beer. Fully understandable, it is not a crime to drink, however it certainly is a crime to drink and drive and you cannot escape the consequences of the same at any time. Getting dui insurance can be the worst pare since you will certainly find out that dui insurance is not easily available and the choices are limited.

DUI insurance are difficult to find

Dui insurance is certainly difficult to find since this is considered to be high risk and not many personal lines insurers would prefer or have the underwriting preference to underwrite these risk. You need to cast a wide net and check out here since here you can get quotes from not one but at least four carriers for free. No need to spend endless time checking out the different insurance companies or the web-sites to check out if they offer you even a quote for dui insurance.

How to look for a good dui insurance company or insurer to get an affordable dui insurance?

There are some insurance companies who underwrite this business directly but since they are using independent agents who are called “direct writers.” In theory, they can pass on their savings by eliminating the middleman.
The direct marketing on the web by the insurance companies can save their cost and besides since they are underwriting and specialize in high risk, they offer the best dui insurance rates. Check them out.

Smith : I am from Colorado and recently I was held for the offence of DUI? What will happen to my insurance if my license is suspended? Can I get back my license? How much does DUI car insurance or sr22 car insurance cost?

Response : Smith, I am sorry that you were held for DUI. The laws in Colorado regarding DUI/DWI are as under :

Please check up at the website given here http://www.iihs.org/laws/StateLaws.aspx?StateAbbr=CO regarding the law which is as given above.

For DUI car insurance, the first thing that you will have to do is to inform your insurance company about your license being suspended. If you are not going to drive the auto to be placed under non use. However, you will have to get it removed from non-use as soon as your license is valid.  Secondly get the interlocked fixed. Thirdly, your auto insurance premium for DUI car insurance is certainly going to increase. If you require a  SR22 insurance form  your rate would have been even higher. Do not panic, certain insurance companies give insurance for DUI and so you will still get comparative quotes for this . Be more careful and try not to drink and drive. You can take a quote from here and compare the quotes first and do not rush to buy.

Thanks.

Kamlesh

Bill ( Neveda) : Who are classified as high risk by an insurance company?

Response :Motorists are classified high risk when they are in violation of traffic laws, who have been charged with (DUI)  driving under influence or (DWI) Driving when intoxicated, have speeding tickets,  or may be new to driving such as teenagers and new drivers. The most common classifications are policyholders charged with a DUI/DWI or multiple violations on their driving record which are often referred to as “bad drivers.” But what most motorists do not know is that there are other criteria used by the companies to classify a policyholder as high risk. Other criteria include young drivers under the age of 25 or first time drivers, credit rating and history, students, and prior claims history.

 Being placed or categorized under these classifications can result in high rates for insured motorists that they should not be entitled to. Whether they are determined to be a high risk at the signing of the policy or during a carrier’s coverage the consumer’s driving history changes with violations, both result in an increase in the payment amount for the coverage. What most users do not know is that there are methods of being insured without having to pay inflated prices if considered a high risk driver.  You can still obtain cheap car insurance quote or cheap SR22 car insurance quotes.