Drunk Driving And Insurance
Based on the fact that there is an alcoholic related traffic fatality in the U.S. every 29 minutes, insurance companies take this very seriously and make it either very difficult for a person with a DUI to carry auto insurance or very costly.Sometimes, a drunk driving conviction escapes the insurance company's attention and does not end up on the driving record. In fact, a study made by the Insurance Research Council in June of 2002, revealed that as many as one-quarter of driving convictions never end up on a motor vehicle records. But, for the most part, once the insurance company finds out about a DUI, it's usually going to cost the person quite a bit in penalties. The penalty may come in the form of higher insurance rates, policy cancellation or even non-renewal. One thing is for sure; if a person is convicted of drunk driving, most auto insurance carriers will decline coverage and more often than not, insurance companies will simply turn down people when they discover a DUI on record. Surprisingly, even when an auto insurance company does find out about a DUI conviction, it doesn't mean you're going to have higher premiums. Most insurers will review your driving history, your record with the company and your claims record before making a decision about insurance.
Overall, most insurance companies handle DUI convictions by raising car insurance premiums prostitution lawyer and tagging the DUI individual as a high-risk driver. Even though insurance companies are forbidden to deny coverage to policyholders because of race, religion, residence, age or occupation, they can cancel your policy if you have been convicted of drunk driving. They also may cancel the insurance policy right in the middle of the term or terminate it at the end of the term. The company will send the person convicted of a DUI a notice letting them know the reason for the cancellation, leaving the individual to find another insurer. Naturally, with a DUI on the driving record, it's going to be hard to find another insurance company that will insure that person.
Most states require convicted drunk drivers to get an SR-22 from their insurance agency, which means in most cases, the person convicted of a DUI won't be able to avoid having his or her insurance company find out about the DUI. An SR-22 isn't insurance, but is proof that you have certain types of insurance and is required when insurance is provided to an individual who was convicted of a traffic offense. It's a form that getting your record expunged must be filed by the insurance company to the state motor vehicle department stating that auto liability insurance is in effect.
By: Cooper Hill
Article Directory: http://www.articledashboard.com
Dui11.com - DUI Breathalyzer Install
http://www.articledashboard.com/Article/Drunk-Driving-and-Insurance/916270