Anyone that has been unfortunate enough to receive a DUI knows that they are nothing short of serious, uncomfortable, and costly. Suspended licenses, court costs, and attorney fees are just the tip of the iceberg when it comes to expenses that are affiliated with it. The other costs you will eventually get over but the long term consequences of your auto insurance premiums will be around for a long time to come. Insurance companies seem to always discover DUI's, then they could out-and-out just revoke your policy or increase your charges so much that they are simply unaffordable. High risk drivers are often considered uninsurable by insurance companies. But regardless, that high risk label will stay with you for some time. Don't count your chickens before they hatch if the insurance company doesn't notify you right away with word about your DUI, it is just the calm before the storm. The most trusted insurance companies won't touch you for coverage so you will likely be stuck with some small no name insurance agency that will charge you an arm and a leg for your coverage. States individually establish how long a DUI stays on someone's record however it may possibly remain there for the rest of your life. Each state mandates the laws concerning DUI's and car insurance coverage. The majority of states request that those with a DUI conviction obtain a form SR-22 from their insurance company, which guarantees that your insurance agent knows about your DUI. It is the only way though to get your license reinstated by proving to the DMV that you carry at least liability coverage. In the event that your coverage were to slip, your insurance company will alert the DMV. After a DUI, you can expect your current premiums to possibly even double-if your carrier even renews your policy. You are basically at the mercy of the insurance companies as there is nothing that regulates how much they are allowed to charge you for your insurance premiums. It is exceptionally significant that you in no way drive when you have been drinking. One irresponsible decision can be a thorn in your side for years to come. Here are great pages for auto insurance quotes... InsureMe Auto Insurance Quotes Chimezirim Odimba writes on insurance.
Saturday, March 7, 2009
The DUI Scarlet Letter and It's Effect on Your Auto Insurance Rate
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