Drink Driving Conviction Insurance
February 1st, 2010
While it is easy to get drink driving conviction insurance after you get a DWI or a DUI, you will find that the insurance coverage rates for this type of insurance is significantly higher than it would be if you had no drink driving offences. There are many reasons for this.
First, insurance companies are continually looking at drink statistics where driving is concerned. They base their rates on these statistics. For instance, death by drink driving instances have risen in some states, but dropped in others, due to stiffer penalties for the drink driving offence.
The insurance companies know that you have already been convicted of drink driving once, so when you get drink driving conviction insurance after that first event, they have to assume that there is a possibility that you will do it again, and that they risk having to pay out large sums if there is an accident, and possibly millions of dollars if death by drink driving occurs.
Often, whether you have a DUI – Driving under the Influence, or a DWI – Driving While Intoxicated, doesn’t matter to the insurance companies. Or a relevant code in your country. All that they care about is the fact that drinking was involved with driving. It doesn’t matter whether you have had a bar cocktail, beer, or some other alcohol recipe. To the state, the only thing that matters is the blood alcohol content number, and all that matters to the insurance is that there has been an alcohol related driving offence.
When you need drink driving conviction insurance, you can be sure that you are going to pay higher insurance rates, even if a death by drink driving did not occur. You will, of course, want to compare rates among various companies to get the best possible rate, and in most cases, that rate will have to include the cost of an SR-22 as well, which will be required by your state.
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When your life insurance policy has lapsed, you may revive or reinstate it to full force within a period of time and under certain conditions such as declaration of your state of health at the time of reinstatement.