Insurance Rates for DUI
Car insurance rates for DUI, to put it simply, shoot up high just on being caught on DUI charges even if you have not caused any harm to the others or property.
If you are caught DUI, you would be sorry for several years before you can get back to "normal" with your life. Car insurance rates for DUI are just a part of the whole sequence of events that you would have to go through.
The first thing that happens when caught DUI is that you get arrested and the legal hassles start. Obviously, after an arrest you would have to serve some jail time.
Your drivers license also gets taken away by the police and is suspended for several months and more if you fail to pay up all the fines and undergo community service and additional trainings.
Your car insurance for DUI shoots up like 4 times if you are lucky enough to retain any kind of car insurance. Many insurance companies might just drop your coverage and it would become hard to find another one. If you are successful in finding an insurance company that is ready to provide you insurance the premiums would be high, in fact very high at least for the first 3 to 5 years. If you keep your driving history absolutely clean for all these years you might get a breather but only a bit.
Besides the car insurance, your life insurance premiums would also go up. DUI is an offense that all insurance companies take very seriously as DUI can not only cause serious damage to the driver and the car but also to other people and property. Just like the car insurance companies can drop the car insurance, life insurance companies can drop their coverage too or at least raise the premiums.
Besides just the insurance costs, you would have to pay up all the jail fees, court fees, attorney fees to just name a few besides the fines and penalties that get imposed on you. if you happen to cause damage to self or others or property, the insurance company may not even pay for it which would make you pay for the entire damage done.
As if all this was not enough, DUI can also cost you your job. Your employment history would get impacted for years. While you serve jail time, community service and attend court proceedings you would not be able to attend your job even if you do not end up losing it completely, which means financial losses from the employment side are also for certain.
The best insurance policy is to not even make the mistake of driving under influence at all. One mistake can affect you and your family in ways that we have not even touched upon in this article.