Frank Kern : What if my auto insurance policy is cancelled beacuse of DUI or drunk driving?

Drunk driving is considered high risk insurance
Response : Frank, unfortunately this is a harsh reality, but it is the truth that personal auto insurance underwriters do cancel the auto insurance policy if there is a case of drunk driving. In fact this is written in the conditions portion of your policy wordings which clearly states the conditions under which the insurer has the right to cancel the policy. The general insurance company has a right to cancel your policy since as per them the driver is one of the main consideration or factor for undertaking the risk and hence when this condition changes, they can cancel your policy.

Secondly, it is your reponsibility to inform the insurance company as soon as you are involved in an incident of drunk driving since if you do not inform them it is considered misrepresentation and even if you meet with an accident at a later date your insurance company can and will deny the claim on grounds of misrepresentation.

Now, comming to the solution if your auto insurance policy is cancelled because of DUI is that you can still be insured by the speciality companies who insure high risk drivers like you and provide affordable dui or affordable sr22 insurance, which is a second requirement in most cases. You can compare the auto insurance quote online and get cheap sr22 insurance or cheap dui insurance.

Thanks.
Kamlesh.

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John Resse : I am sometimes an aggressive driver and will this be considered high risk. Can you give me an example. Will I need SR22 insurance, DUI car insurance or high risk insurance?

Response : Aggressive driving is also considred high risk and would require the quotes from high risk insurers which are the same as DUI insurance or SR22 insurance. If you are already an aggressive driver you need to be careful since some times when you are angry or aggressive when driving it can cause a problem. Let me give here a recent example of aggressive driving from a celebrity.

“Tiger Woods caused $3,200 in property damage, wasn’t wearing a seat belt and was driving erratically outside his Florida home before crashing into a tree, according to a report. The six-page report only describes the accident and does not include statements from Woods, his wife, Elin Nordegren, or witnesses. It also includes 105 photos of the accident scene.
The report’s release came just hours after the world’s No. 1 golfer put out a statement saying he had let his family down with “transgressions” he regrets “with all of my heart.” The final accident report shows Woods didn’t just hit a fire hydrant and tree.
Upon leaving his driveway, Woods’ vehicle rubbed up against a line of bushes, crossed over a curb, onto a grass median and into a row of hedges before swerving left into the hydrant and crashing into the tree, an illustration in the report shows. Woods’ vehicle was traveling 30 mph in a 25 mph zone. Damage to the SUV was estimated at $8,000. Photographs of the accident were taken by security officers in the Isleworth community, a neighbor and troopers. The photos show damage to both front sides of the Cadillac Escalade, and the windows on the back passenger doors were broken.
Nordegren told Windermere police she used a golf club to smash the back windows to help Woods get out.
The Florida Highway Patrol closed its inquiry into the crash Tuesday. Woods, who refused to talk to authorities, was charged with careless driving, which carries a $164 fine and four points on his driving record.

This incident has really put Tiger Woods to have a bad driving record for now and earmarked his auto insurance rate to be very high, which would be near high risk category. If you drive like this again and again you are likely to be included in the same category as high risk driver and DUI car insurance quotes. You always need to be careful on the road.

Thanks.
Kamlesh