The Impact of DUI/DWI on Car Insurance

May 26, 2016 by

Driving under the influence (DUI) or driving while intoxicated (DWI) is a major offense in most states. Getting on the wheel of a car after drinking can result to serious consequences such as injury or death to an individual. Moreover, a DUI/DWI conviction can result to the suspension of your driver’s license. If you have a car insurance, chances are your premium rates could suddenly shoot up.

Getting stopped by law enforcers for DUI can have a huge impact on your car insurance. To start off, it could lead to the suspension of your license. According to the website of Schuler, Halvorson, Weisser, Zoeller and Overbeck, P.A., if your license has been suspended, you would have to buy SR-22 insurance. It is a certificate that is issued to you to prove that you have car insurance. The SR-22 is a requirement by the Department of Motor Vehicle (DMV) for reinstatement of your driver’s license.

DUI can also significantly change your car insurance policy. Your provider will likely classify you as a high risk driver and if this happens your rates could increase by 30 – 100 percent. A worst scenario could be your carrier having to cancel your insurance or charge you with high monthly premiums. While they cannot cancel your policy right away, they can do so upon expiration.

Depending on the state where you reside, you can also expect to pay more for a minimum of three years. The length of the DUI staying on your driving record will depend on the state where you live but on the average it could be as long as five years. In some states, it could be as long as 20 years so keep yourself informed about how long the DUI offense will remain on file.

When your car insurance is denied as a result of the DUI offense, you may have to find a new car insurance provider.

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Defining Reckless Driving

Nov 27, 2015 by

Car accidents are frequent events that influence numerous people every year. Negligent driving is among the very frequent factors that the injury occurs. A lot more threatening than negligence when using a vehicle is reckless driving. This is defined as willfully and wantonly disregarding traffic regulations and placing additional individuals and home in direct danger of injury.

Reckless driving is exceeded by the action of harmful driving even though the motive is not an element of rash driving. For instance, driving or accelerating while under the effect of alcohol or substances constitutes irresponsible driving. On the other hand, these charges are not joint than rash driving as they cannot explicitly establish extremely hazardous driving behavior.

Instances, when these charges would secure each other, would comprise when speed exceeds over 30 miles per hour within the speed limit that is specified or when the motorist to carelessly control an automobile is caused by the devastating results of alcohol and substances. Other driving choices that will produce a dangerous driving charge might comprise dangerously passing another vehicle with bad presence, eluding an official, and rushing a car in a manner that is prohibited.

Reckless driving is usually a misdemeanor, leading to penalties and possible jail time. Nevertheless, reckless driving’s legal complications are far less severe than the possible harms or fatalities resulting from an accident. Based on the Hankey Law Office, P.C. site, rash driving may cause significant mental and physical damage to drivers of autos and bikes as well as people.

In case you or a beloved one was in an injury because of some other individual’s rash and hazardous driving, consult with your personal injury lawyer to discuss your legal choices. You could be entitled to monetary compensation for vehicle repairs, your medical debts, and mental misery.

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