Don’t Drink & Drive – It’ll Cost You More Than You Think
First off, don’t drink and drive. Driving is a privilege and should not be abused. If you are given a driver’s license, you are given a responsibility. That is to do your part to keep the roads as safe as possible for you, other drivers, pedestrians, fixed property and anyone or anything else on the road. Driving drunk is NOT responsible and comes with very serious repercussions. Aside from jail time, court/lawyers expenses, tickets and a suspended license, a DUI will seriously affect your auto insurance rates.
If you are served with a DUI, in all likelihood your insurance company will find out. There are 2 things that they will usually do. The first is to raise your rates, usually substantially. The second is that they may just drop you and cancel your policy. In addition you will be labeled a “high-risk” driver.
When the time has come when you are able to get your license reinstated, the DMV will require an SR-22 filing. This is a Proof of Insurance certificate provided by your insurance company showing the state that you are insured. However, many companies do not offer SR-22 policies due to the high risk. Even if the company does offer SR-22 policies, there is no guarantee that they will give you one. Remember, these SR-22 policies come with a much higher premium than a regular policy.
That being said, driving under the influence is a serious matter. The consequences are many and affect you in different ways. Do your part and be a safe, conscientious driver, and you shouldn’t have to worry!
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