Jennifer Lopez : Why are DUI insurance high risk drivers? Are cheap sr22 insurance a reality?

DUI insurance : Why dui sr22 insurance is high risk?

Response : Jennifer, those who have been involved in drunk driving and never has an accident and have escaped without getting a DUI conviction for drunk driving, would naturally think that drunk driving is not risky. How can there be a difference between ordinary driving and drunk driving.

This logic of asking for considering drunk driving or DUI insurance as a high risk driver is based on statistics. e at least one driver or motorcycle operator with a blood alcohol concentration (BAC) of 0.08 percent or above, the legal definition of drunk driving. In 2008, 11,773 people died in alcohol-impaired crashes, down 9.7 percent from 13,041 in 2007. In 2008 alcohol-impaired crash fatalities accounted for 32 percent of all crash deaths. There is an alcohol-impaired traffic fatality every 45 minutes. Alcohol-impaired crashes are those that involve at least one driver or motorcycle operator with a blood alcohol concentration (BAC) of 0.08 percent or above, the legal definition of drunk driving.

Secondly, in 2008, drunk driving, DUI or alcohol impaired driving there were 41 percent of intoxicated drivers (with a blood-alcohol content at or above 0.08 percent) involved in fatal crashes were speeding, compared with 15 percent of sober drivers involved in fatal crashes.

From the above facts I am sure you will agree that DUI insurance are high risk drivers.

Cheap S22 insurance is a reality

Cheap SR22 insurance is a reality if you compare car insurance online especially dui sr22 car insurance quotes from the speciality insurers since these insurance companies offer very competitive and cheap sr22 insurance quotes.

Ofcourse, if you really intend to go back to the normal personal insurance rating than you need to get out of the DUI insurance category and ensure that you do not do drunk driving.

Stay safe and do not drink and drive.

Thanks.
Kamlesh

Leslie Rodhe : Why are penalties for drinking and driving so strict? Why do insurance companies and traffic authorities try to stop drunk driving or driving under influence and penalize with DUI insurance, high risk insurance or SR22 car insurance?

Response : Drinking and driving is a hazardous combination. It is proved beyond any doubt that drunk driving causes auto accidents and high fatalities. In fact to take the scope beyond the auto insurance liqour liablity insurance is taken which is known as host liqour liablity.
CONSIDER THESE FACTS:
• One third of the fatalities in involve impaired or intoxicated drivers and pedestrians,
• With increased Blood Alcohol Content (BAC), crash risk increases sharply. A driver with a BAC of 0.08 is four times as likely to cause a crash as a driver who has not been drinking, while a driver with a BAC of 0.16 is 25 times as likely to do so.
• Young drinking drivers are at the highest risk of all. Drivers 20 years old or younger are almost three times as likely to be involved in alcohol related fatal crashes than other drivers.

Now the insurance companies, the law enforcement agencies, the state goverment and even the social organizations want to prevent drunk driving and accidents, DUI insurance so the laws are very strict. The insurance companies lose a lot of money on these accidents and the frequency and severity of claims is very high and so they are rated as high risk drivers. Please avoid drunk driving especially during the holiday season, when the chances are very high for the same.

Thanks.
Happy Motoring.
Kamlesh

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.

Blake : Is it true that drug use is as dangerous as impaired driving ?

Response : Unfortunately this is true and another thing to be kept in mind is that it is considered a criminal offence and hence the claim can be denied on the basis of drug usage by an insurance company.

A new roadside survey by the National Highway Traffic Safety Administration confirms a continuing decline in the percentage of legally intoxicated drivers

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.

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).

The 2007 survey involved more than 300 roadside locations throughout the U.S.

For DUI insurance you will have to obtain a SR22 car insurance and cheap sr22 car insurance can be found online. Drug usage is a criminal offence which is an exclusion for insurance.