Are You Covered? Exploring the Benefits of Auto Accident DUI Insurance
Are You Covered? Exploring the Benefits of Auto Accident DUI Insurance
Do you think you’re covered if you or your car are the victims of a drunk driving accident? What if you are the one who had been drinking and involved in an accident? DUI insurance is, therefore, a must to have. It not only pays for any legal fees associated with being charged but also covers some of the costs incurred due to the damage or medical bills if the other person or you have suffered any injuries. But are DUI insurance plans worth it in the long run? Lets explore the benefits of having a DUI insurance plan in order to make a better-informed decision.
First off, DUI insurance covers some of your legal fees, fines and court costs associated with a DUI. Most plans with comprehensive coverages will also cover damages and costs associated with a DUI-associated accident. This means, if you caused an accident as a result of drinking, your policy will pay for costs such as medical bills, repair costs of any damaged cars or properties and even legal costs resulting from a lawsuit. The peace of mind that comes with it is invaluable.
Another advantage of DUI insurance is that in some states it’s a mandatory requirement while registering your car. If you fail to get a DUI insurance plan, you could risk your license being confiscated or put on hold. Not only does this stop you from driving but also puts you at the risk of shelling out expensive fines for flouting the law. Sources also suggest that some states make it mandatory for auto insurance companies to offer their policy holders reasonable DUI insurance.
In addition, DUI insurance provides a much-needed financial security cushion in times of need. Not only does it help in cases of an accident but also covers costs related to the purchase of another car. Depending on the extent of the damage to your car, DUI insurance can cover part or all of the cost associated with the purchase of a new one. Furthermore, it covers you against the financial losses associated with a drunk driving arrest, such as license suspension fees, legal fees for court cases in case of a lawsuit and even towing and impounding costs.
Finally, DUI insurance plans are relatively inexpensive when you consider its financial value. For instance, you can expect to pay anywhere from $20-100 on a monthly basis but, for that, you get complete assurance in case of a DUI related accident or an arrest. Source suggests that this cost varies depending on several factors such as age, credit history, state you live in as well as the make and model of your car.
It is also important to note that it is not only vehicles which DUI insurance covers. There are also some plans available which offer specialized coverages for motorcycles, RVs and boats. While not all plans are suitable for such items, it is worth asking your agent some questions to find the best coverage plan so that you can rest easy knowing youre covered if you are pulled over for suspicion of a DUI.
More Benefits of DUI Insurance
Many times, standard auto insurance policies do not cover damages caused by drunk driving. Thus, obtaining an additional DUI insurance policy becomes incredibly important to ensure that you are fully covered in case of a financial loss due to a DUI-related accident. When you get a DUI insurance plan, you get the much needed financial security in case of an accident as it covers medical bills and physical damages as well intervention costs.
Another good reason to invest in DUI insurance plan is that in some states it is a court-mandated requirement. Have a DUI conviction can land you with high fines or even time in jail, and if youre found guilty of a DUI-related accident, you could be ordered to carry DUI insurance for several years. Failure to comply with court orders can only make matters worse.
Further, its also worth mentioning that DUI insurance will not just provide financial cover for repairing the damage to your own vehicle. It will also pay for any monetary damages done to the other persons car or property resulting from an accident. It’s often the case that all the costs associated with a DUI accident will fall into the lap of the accused, and getting a DUI insurance plan will be a lifesaver in such a situation.
Finally, DUI insurance also safeguards you in case of a legal case. Drunk driving cases can turn into expensive legal proceedings, and getting a DUI insurance plan can save the insuranceholder from high legal costs. Most plans also cover court-mandated therapies, alcohol and drug treatment programs as well as probation periods and bail bond fees.
Summary of Benefits of DUI Insurance
The benefits of getting a DUI insurance policy are plentiful. Both the accused and the aggrieved are financially covered in case of an accident or an arrest. Not only does it cover medical bills, repair costs and court fees, but DUI insurance also provides legal protection for any damage done to property and automobiles. Moreover, legal costs associated with a lawsuit or any court obligations are taken care of by the policy.
Future Outlook
Considering the amount of financial risk and hassle associated with a surprise DUI in the future, DUI insurance provides a great way to protect yourself financially. On the other hand, if you are pulled over for suspicion of a DUI, your DUI insurance will pay for a lawyer to navigate the legal proceedings.
Benefits for Senior Drivers
Senior drivers are especially vulnerable when it comes to DUIs because of potentially increased penalties. Most states increase the administrative and possible legal punishments for a DUI if one is driving seniors age. DUI insurance can provide an additional layer of protection and financial security when the worst happens and an accident occurs.
Periodic Checkups
It is highly recommended to check and review your current DUI insurance plan every year. New constructions or additional rules in your city or state might need updating of the policy. Additionally, its also wise to check for any new or better plans being offered in the market so that you can get the best coverage for the lowest premium.
Examining Your Level of Coverage
When checking for DUI insurance policies, its important to assess your level of coverage. Different plans offer a varying level of protection, and the best plan is contingent on your individual needs. Some plans cover lost wages due to a DUI conviction and assessment of fines, while others will cover fees associated with registering your car after a conviction.
Penalties
No two states have the same laws when it comes to DUI-related penalties. Some states might require more or fewer DUI insurance plans, depending on the extent of the accident and the amount of damage caused. It is wise to research your states specific laws so that you can make sure youre in full compliance.
Conclusion
Overall, DUI insurance provides a great way to financially protect yourself in case of a DUI-related casualty. From covering court-mandated fees to repairing any damaged property, most people find peace of mind when obtaining a DUI plan. Its peace of mind, financial security, and extensive coverage make it a wise addition to any drivers auto insurance plan.