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Drunk Drivers Pay Higher Car Insurance Premiums Due to Addiction
Driving under the
influence does not only put your life at risk but your pocket as well. Driving under the influence of liquor and getting
convicted of DUI can increase your current insurance premium to roughly $2,700 premiums over a number of years.
Insurers
are so wary of high risk drivers. They look into your driving record in
determining what you pay for the car insurance you’re applying for. A prior DUI
or DWI conviction suggests that you are a risky driver, which translates to
higher rates for your car insurance.
Who
pays for damages to my car?
Your insurance policy
may or may not pay for the damages to your vehicle if you were driving while
intoxicated or under the influence of alcohol. The nature of your car policy
and type of car insurance determines your insurer’s extent of liability when it
comes to DWI or DUI car damages. If you
are at fault and you receive a conviction for DWI or DUI, your car carrier
shall pay the damages to the other driver. Liability insurance protects you
from paying the other driver’s medical expenses and property damage. Liability
insurance protects you even if the car accident happened while you are breaking
the law.
But, there are many
other DUI and DWI related costs which are not covered by liability insurance.
You have to pay for your own medical expenses and vehicle repairs. Unless you get full coverage with car collision
and comprehensive insurance, you have to pay for your own medical expenses and
vehicle repairs. Remember that liability insurance only covers the other driver
when you are at fault.
Can
the insurance carrier cancel my policy?
No. The insurance
company can only refuse to renew your policy but it cannot cancel it in the
middle of the policy. If you incurred a
DWI or DUI record, your insurance company shall automatically consider you a
high risk driver. With this record, there is a high possibility that your
policy will not be renewed. If this is
the case, you will have to look for another insurance company that will take
high risk drivers. But, some states require additional papers and you have to
find a company that can handle difficult policies.
The best place to start
recovering from alcoholism is for you to admit and accept that your drinking
problem is slowly taking a toll on your health, social status and
finances. Stop getting behind the wheel
while drunk, and quit drinking once and for all by getting alcoholism treatmentin a good rehab facility.
For more information for Addiction recovery -Please refer this link : Your Addiction Solutions
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