Did You Know DUI Charges Can Impact Your Auto Accident Insurance?
Did you know that DUI charges can have an impact on your auto accident insurance? Everyone should be aware of the consequences that come with driving under the influence. Not only are you putting your own life and the lives of others in danger but you may end up facing huge financial fees as well.
Seeing as no one wants to pay more money for car insurance, its best to take preventative measures and drive sober. Its much better to be safe than sorry! A DUI charge will result in a blow to your yearly policy rate and the amount may depend on the severity of the infraction.
In addition to the cost of your policy going up after a DUI charge, some insurance companies may also drop coverage in certain states. To make it worse, they may not be keen to take the risk of providing coverage for the next three to five years.
If youre unlucky enough to face a DUI charge, the cost implications wont stop there. Depending on where you drove under the influence, you may also face court fees and legal charges. On top of that, you may need to pay reinstatement fees to renew your license after it is suspended, as well as fees for any mandated DUI courses.
To save your wallet from taking a hit, always think twice before getting behind the wheel. Even if youve only had a few drinks, its better to call a taxi or a friend or family member to ensure you make it home safe and sound.
By being responsible, you can ensure that you dont end up regretting a mistake and face financial consequences, too. To be safe and steer clear of unexpected costs, make sure you always pay attention to your local laws and brush up on the rules each year. That way, youll be prepared and informed should DUI charges threaten your policy and your wallet.
DUI car insurance rates differ from state to state, so its important to know the possible repercussions of a DUI charge in your area. Fortunately, many states have systems in place that allow drivers to apply for insurance coverage after a DUI conviction, but the cost may be enhanced and the coverage could be limited.
Its recommended that everyone take into consideration the financial burden that comes with a DUI when deciding to get behind the wheel. Unfortunately, this isnt the only downside as you may also face license suspension, hefty legal fees, and even imprisonment.
Different states carry different punishments for DUI convictions. For example, if youre driving in Virginia, you can face a license suspension, even if you’re a first-time DUI offender. Whereas in New Jersey, if the amount of alcohol you had was slightly over .08, you’ll likely face a suspended license too.
Penalties for DUI vary by country, with some being more severe than others. For instance, in the US, a first-time offender may be charged with a fine of up to $500 and suspension of their license for six months. In Canada, the consequences for a DUI are tougher. In some provinces, fines start at a whopping CAD$1000 for a first offense and a minimum of a three-year license suspension.
In addition, you could be subject to a probation period, receive community service, or be compelled to attend an alcohol education course. On the other hand, in some states, the police may confiscate your vehicle or even seize your license plates.
No matter where your DUI charge occurred, you can expect your insurance rates to skyrocket. In some cases, you may need to apply for SR-22 coverage if you are identified as a high-risk driver. An SR-22 is basically a form that the insurance company will submit to your state department in order to help you reinstate your license.
Regardless of the state and type of charges, one thing you can be sure of is that your car insurance premiums will go up! Before you decide to take a risk and drive when you shouldn’t, remember how much a DUI will cost you in terms of insurance and other fees.
While auto insurance isnt the only cost to consider when it comes to DUI charges, its important to keep in mind how a violation can affect your finances. As a general rule of thumb, its best to always drive sober and be aware of the laws in your particular state.
Whats more, it can be incredibly difficult to land car insurance after a DUI violation. Even if you find an insurer to cover you, the costs are likely to be increased. Dont overlook the fact that some states dont typically allow convicted drivers to renew their licenses until they can provide proof of insurance.
Rather than putting yourself at risk, why not invest in a designated driver whenever you plan on drinking? You can also take preventative measures such as investing in an ignition interlock device this device has been proven to be helpful in reducing DUIs and is typically mandated for those convicted of driving under the influence.
Remember, the best way to avoid these costly repercussions is to stay away from driving after drinking. No matter how small the amount, just one drink can still make it unsafe to drive. It’s never worth it to risk your life and the lives of others.
In conclusion, it’s essential to be aware of the consequences that come with driving under the influence. It can not only put your and the lives of your loved ones in danger, but it can cause severe financial difficulty as well. To avoid possible issues down the line, always think twice before you get behind the wheel it could save your wallet and your life!