DUI Car insurance

brooke mueller : Obviously, lots of pressure and stress seem to be getting its way.. what are the car insurance ramifications for a dui.

Car Insurance Ramifications For a DUI
Response : Most of the readers are already aware of dui convictions and getting dui insurnace.

A DUI is a Criminal Code conviction which stays on your record for 3 years, from the date you were convicted, and seriously affects your insurance rates.

You also receive an automatic licence suspension which keeps the good insurance rates away for 6 years.

Even if you win your court case and the DUI is thrown out, the 90 day licence suspension stays on your record and continues to negatively affect your insurance rate by thousands of dollars.

Here are the lowest to highest insurance rates for a 19 year old and 40 year old, for a DUI conviction, and the rates if they also had an accident. Your age would affect your car insurance rates and hence the dui car insurance would be based on age also :

Age Driving Record Lowest Highest

19 Year Old Impaired Conviction & Licence Suspension $12,455 $16,572

19 Year Old Accident & Impaired Conviction & Licence Suspension $15,749 $20,070

40 Year Old Impaired Conviction & Licence Suspension $7,430 $8,304

40 Year Old Accident & Impaired Conviction & Licence Suspension $8,463 $11,728

Car insurance ramifications for a dui, why pay more!!!

You can still get away from this and get affordable dui insurance by:

1) Getting it off your record- consult a lawyer for this.
2) Take up defensive driving
3) Reduce your car insurance mileage.
4) Install an ignition lock so you would not have the second dui offence
5) Get your affordable dui insurance quote now and stop paying more.

DUI Car insurance

DUI Car insurance

Phil Ivey : I was held for drunk driving and my license has been suspended. I need to get sr22 insurance and am looking for cheap sr22 insurance.

Easiest way to get cheap sr22 insurance

Phil , I can understand the stress you are under at present on account of all the other issues you are facing at present of which getting auto insurance is also one of them.

Understanding the lack of time that you have, I do not want to go into all the other details at the moment and would come straight to the point:
First you will have to inform your present auto insurance company of the incident and the fact that you require sr22 insurance. The present insurance company would either inform you that they would not like to continue with the risk, and in that case you will have to get auto insurance from another company.

It would be best to get auto insurance and sr22 insurance from a specialty company. There are many specialty companies who would offer you the sr22 insurance quote like : Progressive Insurance, GEICO insurance, Allsate insurance company, AAA, Unitrin and many others.

It would be easiest to get the cheap sr22 insurance quotes online here. Compare the sr22 insurance quotes and you can either call the insurance company or the agent before you decide where to buy from. At least you have a clear idea of what the market is offering you.

Sorry for the delay and absence on the blog, I prefer to write personally, but was away looking after my mother, who had multiple strokes. Thanks to your good-wishes that she is recovering.

Kamlesh

DUI Car insurance

DUI Car insurance

Keith Baxter: I was involved in an auto accident but did not know what to do?

Response : When you are involved in an auto accident there are 6 main steps that are recommonded which you should follow :

1. Stop your car and talk to the other driver. Call the police if necessary. If you have ever been involved in drunk driving previously, it is in your best interest to go for a breath test or BAC so that you have a record there. If it is a minor accident you can exhcange telephone numbers and other details like insurance.

2. Evaluate and decide whether you want to report this as a claim. However, it is best to notify the insurance company since there can be complications after-wards. If you do not report the accident, you will naturally save your premium.

3. Fill out your “What to do after an accident worksheet. This will give you evey detail of the accident documented. Its best to find witness who are willing to back-your story to the insurance company.

4. File the claim as soon as possible with your insurance company, irrespective of whether it was  your fault. Your insurance company will handle the claim process as your lawyer. Do not make any misrepresentation. Misrepresentaiton changes your risk to high auto risk.

5. Corporate with your insurance company and provide all the documents that they require. Most insurance companies have excellent claims personnel who would cooperate with you. 

6. Get your car repaired, only after the insurance adjustor advices you and he has done the due diligence required on his part. A lawyer should be hired only if you need one.

Your claim settlement will be very easy without stress. If you are required please maintain your SR22 insurance at all times.

DUI Car insurance

DUI Car insurance

Scott: How can you get auto insurance after 2 DWI’s?

Response: Scott, I must really tell you that you are going to have a tough time. You have been caught not once but twice in a drinking and driving situation. You must consult a lawyer for your legal matters and also on obtaining your driving license back and the demerit points.

On the insurance side, you will be required to produce a financial responsibility or to have the SR22. I would advice you to definitely have the SR22 even if it is not required by your State since if you are involved in an accident you will have a grave problem. There are several high points of specialty insurers who will insure you. The cost of insurance will be high. Please go for on-line SR22 quotes and check out your options online.

Secondly get a impaired-ignition lock installed in your car immediately so that you will be prevented from driving once you are intoxicated. This will prevent you from any further trouble and also save property and life damage which might be your own.

Please go for some classes or a rehabilitation home to get out of the habit of drinking so that you are saved from the stress and tensions. I know it is easy to say but difficult to do. But its not impossible like the insurance companies who still offer comparative quotes for DUI/DWI and intoxicated.

DUI Car insurance

DUI Car insurance

Reader: Does alcohol-impaired driving differ by gender?

Research has shown that male drivers are more likely to involve in drunk driving and crash than the female drivers. This is one of the reasons also why the auto insurance rates are higher for males. According to the data available 40% of the male drivers of passenger vehicles had BAC at or above 0.08 percent. The corresponding proportion among female drivers was 21 percent. The alcohol involvement in fatal accidents was highest for males between the age of 21-40 years.

According to national roadside breath surveys, the proportion of female drunk driving is increasing compared to the man. The night driving has increased for women. The nighttime samples taken from the woman has indicated that the incidence of drunk female drivers has increased from 16% in 1973 to 31 percent to 31 percent in 1996.

The insurance companies use this data and driving history to base their car insurance rates. Prevention is better than cure. It’s best not to drive when you are drunk to avoid all the hassles of law, stress, emotional turmoil and most importantly to get involved in high car insurance premiums.

K  Desai

DUI Car insurance