| Can My Insurance Drop me after Driving Under the Influence? |
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| Written by Ken Henry |
| Saturday, 23 January 2010 21:45 |
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Can you look back on your life and think of something you did that you regret? A DUI does just that, but the consequences can go on long after court fees have been paid.
Can you look back on your life and think of something you did that you regret? A DUI does just that, but the consequences can go on long after court fees have been paid. Driving under the influence of alcohol happens more often than people might think. You may be driving along the road and not even realize that someone around you is driving drunk. If you drink and drive, chances are you will get caught. More and more citizens driving under the influence, but if you get caught the stiff punishment will be with you for a long time. So think the next time you drink and want to drive. There are many things that can happen when you get in your car after you drink, such as hurting yourself or others, or even killing someone. If you get pulled over for a suspected DUI, you risk jail time, criminal charges, and a ticket. A DUI goes against your record for a very long time. If you get a DUI, it makes your insurance rates go up and takes a long time to get it off. Driving drunk one night can make you pay for a long time to come. Once a DUI gets on your license, it doesn't get removed until a certain amount of time lapses. It alerts the insurance companies, who then have no choice but to raise your insurance rates or deny you coverage because of your high risk status. It is law that when you apply for or renew your insurance policy, the insurance company must pull up a driving record, which includes your DUI. The companies then mark you as a high risk driver. Companies are alerted when you are a high risk driver. In their point of view, one DUI on your record means that you are more likely to get another. The next DUI could be far more serious, with someone critically hurt or injured. If this happens, the insurance has to pay out for those bills. Because of this risk, they will make sure that once you get a DUI you will pay higher rates. A lot of insurance companies make you file a SR-22 once have been marked with a DUI. This states that that you have enough insurance coverage to take care of things if you get caught with another DUI. So next time you go to a party or to a bar and think you are having fun by drinking, think twice when you get behind the wheel, because the consequences are tough. Driving under the influence can hurt more than just you. DISCLAIMER: This article is provided as information only and is not to be taken as financial advice. If you are trying to find auto insurance, search no further than http://www.henryinsurance.com/ to find the best suitable car insurance to fit your finances. |