Steve Black : Lindsay Lohan is again involved in another car accident contreversy – would her dui insurance rate shoot up!

Response : Yes, this has just hot off the press Lindsay Lohan arrested for hitting pedestrian in New York. However, there is already a contrversy in this matter.

Steve, lets leave Lindsay’s case on what is real to the news media , but lets discuss this from the insurance presepective.

Lindsay has already two dui’s on her name. She is already paying dui car insruance and not long time ago, it was estimated that for her Porsche – Lindsay is already paying dui car insurance of $10,000+ per year, which is indeed a very high dui insurance rate.

It is also true that in most ordinary cases, where a person is involved in two car accidents over a period of 3 years and has a ticket on his name, getting car insurance can become really difficult.

Contarary to this we have cases of a person who has had a couple of dui’s and car accidents hence getting dui insurance would become very difficult. This would certainly be categorized as high risk.

It would also become a question if the insurance company does want to renew or write the

DUI car insurance for ordinary persons

DUI car insruance rates are high and with more than one dui convictions, even speciality risk insurers prefer not to underwrite the risk. You would certainly have a tough time finding car insurance at low dui car insurance ratee. Even with telematics today the mordern method of car insuarnce rating, it is based on driving record and hence with drunk driving – a bad driving record, dui insurance rates would shoot up.

Would an addiitional accident even if its not dui incident increase the dui insurance rate?

With each car accident with a dui record, the dui insurance rates would increase. Lindsay Lohan would find a dui insurer who would be ready to insurer here and her dui insurance rate would shoot up consideralby. She would be able to cough up $10,000 to $15,000, would you be able to pay so much? Especially in this economic times, when the recession is still going deeper and deeper.

We have made the provision for you, tying up with the best speciality insurers. You can compare and get dui insurance rates, which would suit your pocket. Check them out.

South Carolina restaurant would be paying $1.1 Million when their employee Adam Burnell who was involved in drunk driving with alcohol levels of 0.24 percent. He rear ended a car driven by 32 year old Quentin Miller on the Ravenel Bridge. Miller died in the accident.

The Post and Courier of Charleston reported that the settlement calls for Miller’s parents to get $518,000, Miller’s common-law wife to get $91,500 and the remaining $490,000 to go to attorneys’ fees and costs. The settlement still needs to be finalized at a hearing later this week.

Watch the video below which shows that drunk driving deaths are not accidents they are excecutions.

Drunk driving could be a real issue for your employee, howcver for you it would be a bigger issue for you. Not only would you have to get dui car insurance and pay for higher dui insurance cost but also have to incurr other cost. What is more important is that you would have an issue getting employement, especially if your job involves driving or using a vehicle on your job. Your employeer will not want to employee a person with a bad driving record especially drunk driving. Which employeer would want to pay off millions in claims, even if it comes from the insurance company, the employeer would have issues getting car insurance and would pay a heavy price and cost for car insruance premiums.

If you need affordable dui insurance, the smartest thing to do would be to compare dui insurance quotes here and get affordable dui insurance.

Thanks.

Kamlesh

Misty may :  I live in Florida and was charged with wet reckless driving would it mean that I would be requiring dui insurance or sr22 insurance and also be considered as a high risk driver?

Response : There are only a few states in USA that has the wet reckless driving and Florida is one. Wet reckless driving is a lesser charge than dui insurance, since with wet reckless driving, you might be driving recklessly, but the  BAC ( blood alcohol count is less than) 0.08 mg. Secondly for wet reckless driving , you need not have to be involved in an accident.

Now here is the tricky part. Wet reckless driving would put in the category of high risk driver. Would you require dui insurance? Dui insurance are nothing but normal car insurance, however the dui insurance rates are much higher than the personal lines car insurance.   Technically dui insurance rates are not required for wet reckless driving but basically the insurer will never disclose the rates they are charging, hence this whole hype of comparing auto insurance. I know, most people feel that the owners, like us are creating this hype just to make money. Believe me, the reality is that auto insurance rates are dynamic, each insurer has their own rating matrix, hence for you it makes complete sense in taking a moment, comparing and getting the most information.

Sr22 insurance is actually a form of proof of insurance – and this is required only if the authority inform you to need.

Wet reckless driving would be on your public driving record for 7 years and the auto insurers would consider you the high risk driver for this time. Hence you need to be on the look out for cheap auto insurance.

No need to worry, you can still get low high risk car insurance by :

1)    Driving less – most insurers are rating the car insurance based on usage.

2)    Go for Progressives  “ Snap shot” if your driving has improved – why pay the penalty of high risk driver for 7 long years, if this was one mistake. Secondly, you can also improve your driving skills also this way.

3)    Go for a car which is not high performance like a sport car.

4)    Ask for all the discounts offered, check the maximum you qualify for.

5)    Compare auto insurance.

Drive safe, get your car insurance quotes and enjoy.

Fatal accidents, dui insurance & Sr22 relation with BAC

“Route 24, I-195 net nine drunk drivers” this is the latest dui news – for more details on this news you can visit DUI and sr22 news The issue of drunk driving is that it leads to higher fatality. Innocent passengers or drivers of another vehicle become victims. 9 have been arrested and there are 222 citations just for a weekend!.

Statistical data has constantly given us the same message again and again making it obvious that the higher the Blood alcohol count; the higher are the chances of a drunk driving fatality. One might not be really concerned about going to jail, getting involved with the law, or even the higher cost of insurance, the need for sr22, paying 5 times higher auto insurance premiums on dui insurance but can you really live in peace with your self knowing that you were responsible for one or more than one lives?

Yes, you can reduce drunken driving fatalities if you decide to do so and even help in reducing it for your friends. Social pressure is very effective in reducing drunk driving.

Here are some ways you can help your friends or your self not getting involved in dui insurance or sr22:

- Do not drive when you are intoxicated, nor allow your friends to drive when they are intoxicated.

 - Take away the car keys, call a taxi or ask your friend to stay with you.

- Inexperienced drinkers get drunk very fast.

- Volunteer to become a designated driver, this has save lives.

- Getting the ignition steering lock installed, if you know your friend or you have a drinking and driving issue.

Your actions if you need sr22 or dui car insurance

In case, you already need or your friend needs s22 or dui insurance you need to take these actions and this will give you the desired result of lowering your dui insurance or sr22 cost.

 - Try to get out of the dui conviction if you are not guilty- once the conviction is on your records you would be on the hook for dui car insurance rates or sr22 insurance or sr22 and would not be able to get out of this for 6 -10 years depending upon the state you live in.

 - Compare dui insurance or sr22 rates- specialty providers would always be a better bet than personal lines auto insurance underwriting companies, who prefer to shy away from high risk.

 - Drive less mileage- the lower you drive the lower your dui insurance cost.

- Ignition steering locks are a sure way to go.

Drive carefully- no drunk driving to avoid all the other issues. Kamlesh

Cheaper dui car insurance for women

DUI car insurance for women on the rise

Dui car insurance for women are on the rise. This is basically because dui, dwi or drunk driving has started rising since the percentage rising to nearly 15% by 1996 and 20% by 2004. The number of female DWI arrests has risen nationally by 28.8% between 1998 and 2007. Data regarding the level of convictions of females for drunk driving offenses is sparse, but there is some indication that it may also be
increasing incrementally. The percentage of females in jail for drunk driving has grown incrementally since 1983 when they accounted for just 5% of those in jail for DWI as compared to 1996 when women
accounted for 7%.

As per a recent survey done the crash characteristics of female drivers testing positive for alcohol in fatal crashes were also examined from one state for each of the U.S. census Bureau divisions: Midwest – Ohio (OH), Northeast – New Jersey (NJ), West/South – Texas (tx) and South – Florida (FL).
the following facts have come to light

1) The average age of female first DWI offenders is 31 and the average age of recidivists is 30, although this fact is drawn from older research. Generally, rates of involvement in alcohol impaired motor vehicle crashes decrease with age, and the population of greatest concern is often young females
2) . In particular, the increasing involvement of young women with alcohol, in combination with their inexperience driving and their growing propensity for risky driving.
3) Findings in the literature regarding levels of education and employment among female drunk drivers are mixed. However, female drunk drivers are generally older than men and have higher levels of education but lower paying jobs
4) A significant proportion of female drunk drivers is single, divorced or separated, or is more likely to be living with a partner with an alcohol problem.
5) Female DWI offenders have significantly higher psychiatric co-morbidity relative to their male counterparts
6) Diagnoses of anxiety, depression, and post-traumatic stress disorder (PtSD) are common among female drunk driving offenders. the use of drugs also appears to be more prevalent among female DWI offenders

Knock off $589 from DUI car insurance cost to continue driving.

DUI car insurance for women cheaper?
Dui car insurance for women are not cheaper than personal auto insurance rates for women with a good driving record, however it is cheaper than dui car insurance for men. This is not a big deal since basically car insurance for women are much cheaper than man car insurance.

The big deal is that you can still get cheaper dui car insurance for women by :
• Getting multiple dui car insurance quotes for women at the website here.
• Ensuring that you refrain from another dui conviction – install a interlock.
• Seek help from social organizations for rehabilitation and other support.
• Even auto insurance companies offer help and support in the form of free programs- the leading insurers are GEICO. Progressive, Farmers and Allstate who provide such supports.
• Get maximum car insurance discounts.
• Avoid traffic violations and traffic tickets.

Yes, get your quote here and you would be able to knock off $589/- from your dui car insurance cost.