Posts Tagged ‘Car Insurance’

DWI & Your Auto Insurance – What is at stake?

Posted on Sep 14, 2010

Aside from the increased risk of killing yourself and others, a drunk driving charge carries other very serious consequences from your auto insurance company. If you have been charged with a DWI for alcohol, drugs or both, it will make your auto insurance rates sky high. If your auto insurance company discovers you are a high-risk driver your car insurance will increase or worse, your car insurance policy could be cancelled leaving you with a DWI and a cancellation on your record.

DWI Laws and Car Insurance Coverage

DWI laws and car insurance coverage vary by state. Some auto insurance companies will determine your rates on a case-to-case basis depending on your age, gender, driving history and your vehicle model. Most states will require DWI offenders to get a SR-22 form from their auto insurance carriers. This means you can’t hide your DWI charges from your insurers. This form provides assurance to the Department of Motor Vehicle (DMV) that you carry liability insurance in order to remove your license suspension. An SR-22 also requires your auto insurance company to notify DMV of cancellation of auto insurance.

Drunk Drivers Too Risky To Insure

For many auto insurance companies, drunk drivers are a high risk. For this reason, many people convicted of DWI find themselves without auto insurance because insurance companies simply cancel their coverage. MADD reports that during the week, 30 percent of all fatal auto wrecks were alcohol related and the fatalities increase significantly on the weekend. Auto insurers just don’t want to take the risk!

Auto Insurance: A Requirement for All Motorists

It is illegal to drive without auto insurance in the US. All states require motorists to have auto insurance in order to drive on public roads. This is why car insurance is a major issue for those charged with drunk driving, driving under the influence (DUI), driving while intoxicated (DWI), or any other alcohol or drug-related driving offense. Keep in mind that each time you renew your auto insurance, your insurer will do a DMV check.

When you engage in drinking and choose to drive under the influence, you are putting yourself and the lives of others at risk. There is no question that, after being convicted of drunk driving, you will be categorized as a high risk driver and your auto premiums will go up. Finding coverage after a DWI conviction will not be as easy, so don’t drink and drive.

Who suffers the most? You be the judge!

DWI Insurance5 Comments »Car Insurance DWI Insurance

After a DWI: Car Insurance

Posted on Jul 12, 2010

It is a serious offense to drive under the influence of alcohol or drugs. The consequences of DWI are humiliating and expensive. Apart from the penalties like fines, license suspension, attorney fees, there are long-term effects, like car insurance premiums being increased. If you have been convicted for DUI, your insurance company will deal with you in a stricter way. The annual insurance rates will go up or your policy may be cancelled. In most cases, your insurance company will raise your insurance and keep you insured but you will be counted as a high-risk driver. However, a proof of insurance certificate will remove your license suspension by providing the state with proof that you are insured.

If your car insurance is cancelled, you have the opportunity to find insurance from other companies. They will file the insurance for you so that your license is reinstated. It is obvious that your insurance rates will be higher because of your DWI violation. After DWI, when you are searching for a new insurance coverage, it is advisable to proceed through an independent agent that has association with many different insurance companies.

Auto Insurance after DWI

It is challenging to obtain an affordable insurance after you have committed a DWI. It is true that you need reliable car auto insurance more than ever after you have been convicted for a DWI. There are insurance companies that calculate the premiums concentrating on the risk factors associated with your car like car loss, causing a collision, etc. The auto insurance rates are also figured on the basis of your geographic location, driving record, accidents, tickets and DWI or DUI.

Filing for Insurance after DWI

After a DWI, filing an SR-22 form sends a report to your insurance company about your drunk driving arrest. The SR-22 is a formal proof of insurance certificate that is required only by DWI drivers. So, you need to consult with experienced insurance providers as the process is involved.

As the insurance rates are an important factor of your car insurance, it is advisable to go for an authorized person who can help you out in getting your care insurance after you have been convicted of DWI. An experienced insurance provider can give you ideas on how to make your insurance rates as low as possible. Also, if your case is fought by an experienced DWI attorney, the attorney will fight the consequences of DWI offense and make your charges and punishment the least possible, which has the impact on your auto insurance rates. Your insurance rates will be affected by the length of the time the DWI conviction stays on your driving records. Some states keep these records for about ten years.

Remember, DWI is a serious offense and it makes the process of reinsurance more difficult, leaving very little space for you to have the insurance of your choice.

Car Insurance, DWI Insurance2 Comments »Car Insurance DWI Insurance