Tuesday, May 12, 2009

Will I Get Car Insurance After DUI?

What is the impact of a DUI Offence?

Driving under the influence of alcohol is a serious crime under the driving law of the country. Severe punishments and strict regulations have been imposed on drunken drivers, in order to curb the rise in DUI cases. Where a person has been convicted under drunken driving laws of a state, he is subjected to prosecution and other restrictions. This involves suspension of driving license, serving a jail term, attending to certain DUI courses on hazardous drinking and driving, evidence of such offense retained in the driving record for certain amount of time.

How does DUI offence affect Car Insurance?

Automobile insurance especially car insurance of the vehicle involved in DUI offense is affected because of a DUI incident. Insurance companies once when they become aware of the drunken driving accident or any legal action against such drinking and driving act which is covered under the driving laws of the state, either proceed to cancel the insurance or increase the premium on account of DUI offence committed by the owner of the vehicle.

Where the offense committed and the resultant record of the offence in driving documents really does not happen or goes unnoticed by the insurance company you are saved. Insurance companies are normally required to periodically check the driver's documents and the physical condition of the car. Where they fail to do it, they hardly get any idea about what has happened. But once they come to know what has happened, they either try to cash on the risk by increasing the premium or completely deny insurance for such cars.

Will you get Car Insurance after DUI?

You see the question of getting Car Insurance after a DUI accident arises only where the insurance company denies insurance. It becomes important to ensure that you get insurance because if you are forced to take your car to work or for all other purposes and remember you cannot drive your car without insurance. It becomes important that you fight your way towards insurance.

How to go about getting Car Insurance under normal terms after DUI?

Well the moment you are denied insurance or charged a higher premium you should make sure to fight for the car insurance and get it if you wish to take your car.

-Where any amount of convincing does not work, you should hire a legal expert you will be able to plea bargain your case or at least reduce the term of license suspension. Where the entire process takes place pretty fast, hardly will your company even know about it, say they had dismissed your policy, then once your legal battle is sorted out you can make a petition to reinstate your policy at original rates.

-Any offense is a sign of irresponsibility towards the society at large. In order to gain a positive attitude and image attend to courses and programs that will help you change your image. Tell your insurance companies that you care for the safety while driving and your improved image will help you convince your insurance providers.

-Proceed with the insurance provider who will offer you the proof of insurance much faster than others. Once you get your SR- 22 form showing the same to the Department of Motor Vehicle will help you get back your license and reduce the period of suspension.

Mark C Brown : About DUI

Article Source: http://EzineArticles.com/?expert=Mark_C_Brown

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