Insurance Premiums and DUI – DWI
What is a DWI or a DUI? A DUI is a type of traffic violation, and stands for “Driving Under the Influence.” And DWI is for Driving While Intoxicated.
It is typically given for driving while intoxicated or drunk, although it can also be applied to cases where the driver is under the influence of drugs. A DUI can also be given if a medication warns not to drive while taking the medication, but the driver does so anyway, impairing their driving intentionally. Hot beds for dui or dwi are seen in Florida Austin Texas, Orlando. Dwi Austin, or dui austin are seen as the highest paid ads on google thus making it look like a very lucractive business for lawyers in Austin- austin dwi. You’ll also notice dui Orlando and or dui Florida. Some DUIs, however, are not really fair. With so many zero tolerance laws in effect throughout the United States, you could even wind up with a DUI just by driving after taking cough medicine!
What DUI Means to Your Insurance: Having a DUI does the most damage to your insurance premiums. Most states now have laws in place that require even a first time offender of DUI to lose their license for one year. When that year is over and the license can be regained, insurance prices will likely skyrocket. First of all, you will likely not have insurance while suspended, because you will not be driving. Most companies charge much higher rates to those who have not had insurance in the previous six months. Additionally, the fact that you have had your license suspended within the last three years will severely hike up your insurance premiums. Finally, the DUI itself will cause a huge increase in the amount you have to pay. In the end, you could wind up paying as much as three hundred dollars per month or more for your car insurance after a DUI suspension.
How You Can Save on Insurance: One of the ways you can save on your insurance premiums after a DUI is to maintain insurance while you are suspended. This will keep the premiums down a little bit, because you will not be charged the higher rate for uninsured customers. Some insurance companies will also lower the high premiums a bit if you attend Alcoholics Anonymous or Narcotics Anonymous meetings regularly. You can also shop around and look at insurance companies that deal primarily in high risk drivers. These insurance companies will charge higher rates for your DUI suspension than you would pay otherwise, but they will likely be much cheaper than other insurance companies. In fact, some insurance companies will refuse you insurance altogether when you have a DUI on your driving record, and these second chance companies really become your best bet.
Check Your Insurance Policies: Many insurance policies become invalid if you are driving under the influence. This means that if you have a wreck and you are driving under the influence, you are effectively without insurance. You should check your insurance policies to make sure that you are covered while driving under the influence. If you are not, take that as extra incentive not to get any more DUIs in the future. Not only do DUIs raise your insurance, suspend your license, and ruin your driving record, they can also take lives.
