Auto Accident DUI Insurance: The Facts You Need to Know to Stay Protected
Auto accidents involving impaired drivers are a growing problem in the United States. Every 8 minutes someone is arrested for DUI in the US, and the associated risk to drivers is significant. Fortunately, there are insurance policies available to help drivers protect themselves and their financial assets in the event of a DUI-related accident. Heres what you need to know to stay protected.
Most states require all drivers to obtain a minimum amount of liability insurance to cover accidents they cause. Liability insurance reimburses the person injured in an accident for economic losses related to the accident. However, even the most basic liability insurance will not pay for damages caused by an impaired driver. To be fully protected, you need to take out DUI insurance.
DUI insurance, also known as high-risk or nonstandard insurance, provides protection in the event of a DUI accident. The policy covers damage caused by a driver under the influence of alcohol or drugs which regular liability insurance often does not do. It should also cover medical and legal expenses, and your insurance may even extend to cover passengers who were injured in the accident.
Its a good idea to compare various DUI insurance policies so you can choose the coverage that fits your needs. Typically, premiums for DUI policies range from $50 to $150 per year and can be up to ten times higher than liability insurance. The premium of your DUI insurance will depend on factors such as the coverage you select and your situation.
Its especially important for high-risk drivers to shop around for the best deal. If you have a DUI on your record, you may be required to purchase a separate insurance policy for the next several years. Whatever your situation, it pays to shop around for the best deal you can get this could save you money in the long run.
Furthermore, if you are arrested for DUI, it is critical to notify your insurance company immediately. Your insurer will likely increase premiums, but if you dont tell them immediately, they may not accept the claim. Notifying your insurer of the DUI arrest ensures you get the maximum coverage when you need it.
It’s also important to remember that regardless of what insurance you have, a DUI can lead to a criminal record, the confiscation of your driving license, and possibly even jail time. So in addition to having the right insurance coverage, practice safe driving at all times to ensure the safety of yourself and other drivers.
Some other related topics that can be explored are:
1.The Legal Implications You Need to Know: A DUI/DWI can result in severe legal penalties, such as fines, license suspension or revocation, and even jail time. Therefore, it is important to familiarize yourself with the laws specific to DUIs/DWIs. You need to know the types of offenses, penalties, and other implications.
2.The Cost of a DUI: The cost of a DUI can be much more than the fines and legal fees; you also need to consider the cost of increased insurance premiums and repair/replacement of damaged property. Additionally, a DUI can cause you to lose your job or lead to a career setback. You should also consider any potential long-term costs, such as a permanent mark on your record.
3.Maintaining a Safe Driving Record: Keeping a safe driving record is important, especially if you want to avoid DUI charges. This includes being aware of the speed limit and avoiding risky activities on the road. It is also essential to always use a designated driver if you plan to consume alcohol.
4.Preventing DUIs: The best way to avoid a DUI is to never drive after consuming alcohol. If you plan to drink, it is best to select a sober friend to drive you home or take public transportation. Additionally, you need to be aware of your own limits when it comes to drinking, as some people may be affected by smaller amounts of alcohol than others.
By arming yourself with the facts on DUI insurance and following the necessary measures to stay safe, you can protect yourself and your loved ones. Whether you are arrested for DUI or caused an accident due to drinking and driving, having the right insurance policy can save you from major losses, and ensure that your financial assets are protected.