DUI Insurance Rates

When you are driving, there are countless dangers and uncertainties and dangers that you tend to face almost every second. The insurance companies have realized these issues and have started providing people with certain policies that would help them to cover the risks that are involved when a person is driving. The insurance policy of driver under influence (DUI) or the driving while intoxicated (DWI), come in handy while covering the risk of accidents that are caused as a result of drunk driving. The insurance rates is another complicated issue that comes into picture of such insurance policies. It must be noted that DUI insurance policies have been made mandatory for drivers in some states.

What is a DUI Auto Insurance?

DUI auto insurance in some cases is also known as the DUI insurance. The working of such an insurance policy is quite simple and goes as follows.

A DUI insurance is a policy that is purchased by individuals. During the purchase procedure of the policy, the insurance company takes into consideration many different aspects of the person who is purchasing the policy. Some of the important factors that are considered by the auto insurance company can be listed down as follows:

• Driving License: The first factor that is considered by the insurance company is the person's driving permit. The driving permit well as the drivers test, tells a lot about the person's driving habits. The driving habits of the person, become an important aspect of average insurance rates, which are fixed by the insurance company, when the policy is sold.
• Specifications of the Car: Another factor that is considered by insurance company is the specifications of the car such as the capacity of the engine, age of the car, safety features and lastly, the horse power of the car. The logic that is used in such a case is simple, the more powerful the car, the more is its impact in case of an accident.
• Criminal Record of the Person: The last factor that is confirmed is the criminal record of the applicant. The criminal record is basically checked to confirm the number of traffic violations.

After this check is done, insurance company officials calculate a DUI car insurance rate. The applicant, who is now a policy holder is expected to pay off the premium of this policy on a monthly or annual basis. In case of mishaps arising from drunk driving or any kind of substance abuse, the insurance company pays the compensation to injured party, attorney fees, repair cost, etc. It must be noted that the DUI insurance policy is applicable only in cases where the accidents have been caused as a result of driving under influence.

DUI Insurance Rates

The fact that insurance rates increase, due to the occurrence of events, such as an accident, makes it a very unique kind of insurance policies. Ordinary insurance policies such as a health insurance or a life insurance, etc. tend to have a fixed rate of premium. The insurance rates, however, tend to change after the policy holder commits a driving rule violation. In most of the cases, the premiums tend to go up for the following year. If the policy holder is caught while driving under the influence of substances, then the premium of the insurance policy drastically shoots up. If a driver, who has been insured and is paying the insurance rates, becomes the cause of an accident while under the influence of any substance, then he is in for a tough time because, Judges in Court of Law, show no mercy for the defendants on such occasions. The insurance company will cover the costs of the total affair such as the auto repair bills, compensation of the other party, personal injury settlement that have been filed by the other party.

In some cases, the company also covers the costs of the fine that has been slapped by the court. But again, in cases where the accident has occurred as a result of sheer negligence on the part of the policy holder, the whole policy might be also canceled. Or, the insurance companies might just prefer to increase the rate of premium in such cases. The DUI insurance policy is also known as a SR 22 insurance policy. An SR 22 insurance policy is an auto insurance coverage, the minimum amount of which is prescribed by the department of motor vehicles (DMV). It must be noted that the SR 22 is code that is used as a proof of the coverage that can be provided by a company for a particular policy. The SR 22, is restricted to a particular state and is also provided for owners and non owners of an automobile. In short, drivers who are not covered by an SR 22 are dealt with quite seriously and an uninsured car accident may result into revocation of the driving permit. It is thus advisable to have a policy that has a SR 22 category DUI insurance.

Driving under the influence alcohol, is always risky to all people who are present on the road at that very minute, even the driver himself. One must remember that health, auto repairs, settlements, etc. are covered by the DUI insurance that one pays, however, life is something that one cannot protect with an insurance policy. Hence, the best option that one can use after the consumption of alcohol is to, hail a cab!