Convicted of drunk driving, would dui insurance be sufficient for the loss?

Do you indulge in drunk driving and already have a dui insurance? If yes, review your dui insurance for the limits of insurance and find out whether this would be adequate. Even dui insurance or sr22 insurance would not be able to meet the liability limits that you might face let alone the other implications of drunk driving.

Drunk driving consequences are grave, even with dui insurance – a real incident

Wrong-way crash victims file $6M tort claim [The Columbian, Vancouver, Wash.]
Sept. 30–Will recession-starved Vancouver be held liable for a highly intoxicated driver who drove the wrong way on state Highway 14 in January and hit three cars, killing herself and injuring two people?
Brian and Lisa Gonsalves, the Camas couple who were badly injured by a drunken wrong-way driver on the freeway in Vancouver, have filed claims totaling $6 million against the city, the state of Washington and Clark County.
The claims, filed earlier this month, include copies of the Washington State Patrol accident report dealing with the 4:35 p.m. Jan. 9 head-on crash. Brian Gonsalves, a businessman, had been driving the couple’s Acura sedan west approaching Grand Boulevard. He was on a “date night” with his wife that was to include dinner and a hockey game.
Sheila M. Walls, 29, was driving east in the westbound lanes when she crashed her Honda Accord into the Gonsalves’ car and two others. Walls died in the crash. Her blood alcohol level was 0.20, more than twice the legal DUI threshold of 0.08, state troopers said later.
Troopers have said it’s possible that Walls, who had left a large memorial party at The Hilton Vancouver Washington and Esther Short Park, blundered onto Highway 14 at its offramp for westbound drivers onto C Street in downtown Vancouver. That’s what a trucker told troopers he saw.
A similar crash happened there on July 16, as a Vancouver police officer watched another allegedly impaired wrong-way driver head up the offramp at C Street and collide with another vehicle. Several people were hurt.
Lisa Gonsalves later filed a request with the Washington Department of Transportation, asking officials to consider ways of making it less likely that drivers will mistakenly enter the highway the wrong way at C Street.
In response to the crashes, city and state transportation officials have investigated the traffic signs and other controls on C Street by the offramp, and have said the traffic controls meet state and federal standards.
But in an update early this month, state and city officials said they were looking into additional ways to deter wrong-way drivers there.
Asked late this month whether officials had reached any decisions about C Street, city public works spokeswoman Loretta Callahan said “this is now a legal matter” and advised The Columbian to contact Assistant City Attorney Dan Lloyd.
The Gonsalves’ tort claim, filed about two weeks ago, is a legal prerequisite to suing a government entity, Lloyd said.
The claim mentions the Gonvalves’ injuries in the crash and asks for $2 million for the husband and $4 million for the wife.
Brian Gonsalves’ right heel was shattered in 20 places, from taking the impact while jammed against the brake pedal, he said.
Lisa Gonsalves was critically injured with neck, spine, wrist and abdominal injuries, state troopers and hospital officials said at the time.
Internal injuries and bleeding meant that part of her small intestine had to be removed. One of her vertebrae in her mid-back was shattered and one in her neck was cracked. Her collarbone and one wrist were broken, and she was covered in bruises, her husband said.
The Gonsalveses told The Columbian early this month that their medical costs, some covered by insurance and some not, totaled more than $300,000 — and that several months later they still have surgeons’ metalware in their bodies and suffer pain from their injuries”
Following this incident the following steps or changes were taken by the authorities.
–More signs and refreshed markings.
–Moving where C Street goes from one-way to two-way to a point north of Seventh Street.
–Installing large, solar-powered flashing red lights on wrong-way warning signs.

However, the question remains will a drunk driver see the signs and flash lights? The above incident should serve as a warning to all drivers indulging in DUI or drunk driving. Life is certainly costly and valuable. The outcome as you have read is tragic and though the blame would be fixed on one, the dui insurance rates charged, penalties paid – the misery and suffering is something which cannot be taken away. Do we want to get ourselves in this mess by a drunk driver? Do you want to drink and drive and get someone else in trouble? You can answer this for yourself. Would appreciate your feedback and comments.

Get your cheap sr22 insurance quote and affordable dui insurance quote here now.

Egogo Waffles : Is it true that higher speed limits would reduce the crashes and thus a person speeding should not be considered a hgih risk driver. Do all drivers need SR22 car insurance.

Response : Eggogo, please refer to the reasons why and when you need SR22 car insurance as per my previous blog post.

I am suprised with your first statement. I have been in the insurance world since more than 2 decades and speeding has always been considered a high risk or high risk driver. They are called aggressive drivers.
No. I am giving you what I have read on the highway traffic insurance website. Advocates of higher speed limits have claimed that research on speed variation indicates faster speeds are not hazardous. They cite David Solomon’s research from the mid-1950s that seems to show an increase in crash likelihood among drivers traveling slower than the average speed and a minimum of crashes at 5-10 mph above the average speed. However, the speeds of the crash-involved drivers in these studies were based on self-reports. It is well known that drivers exceeding speed limits are likely to deliberately underestimate their speeds. Such underestimation can account for much of the apparent underinvolvement of moderately high-speed drivers in crashes. Later research found that simply removing the crashes involving intersections and turning maneuvers from the Solomon data eliminated the overinvolvement of slower drivers in crashes. More important, the Solomon research addressed only speed variation, not speed limits.
Speed limits are based on the road conditions, the traffic on the road and the locality. This is based on the fact that you are not alone on the road and an aggressive driver, intoxicated driver or any driver for that matter should never forget this. There should be concessions made for any contigency and other traffic on the road. These speed limits are very necessary since the movment of all the people using the road should be kept in mind. Please do not have this misnomer in mind. Speed is the reason why most people have to pay very heavy insurance. DUI drivers would certainly need SR22 car insurance.

Drive safely and carefully.