Drunk driving is one of the most serious traffic crimes in the world. Driving under the influence endangers both your life and everyone else’s. Drunk driving is a crime that is punishable by a driving prohibition, steep penalties, and even time in jail in addition to the negative effects it has on one’s driving record.
Additionally, due to the high risk, insurance companies typically refuse to offer their services to someone with a history of drunk driving. Do you need auto insurance but have a history of drunk driving? This article will help you obtain insurance following a DUI conviction.
PitStopArabia urges motorists to use caution and abstain from driving while intoxicated in any circumstances. You will be spared exorbitant penalties, jail time, and a lifetime of remorse. On top of everything else, getting into an accident while driving drunk might result in a lengthy prison sentence. Your reputation will suffer, and you might never again land a job as well-paying. Be responsible hence.
WHAT EXACTLY IS DRUNK DRIVING?
Drunk driving is the practise of operating a vehicle while under the influence of alcohol. There is a set percentage of blood alcohol that is acceptable and regarded as reasonably safe for driving. You risk getting into trouble and being found guilty of driving while intoxicated if you go above that limit.
The legal limit for blood alcohol level varies from nation to nation and state to state. If you drink alcohol, you shouldn’t operate a vehicle. To ensure everyone’s safety, it is preferable to use Uber or another form of transportation rather than getting behind the wheel of your own vehicle. For more information, check our post on how to prevent drunk driving.
Even if you don’t have an accident but are discovered drinking and driving, you could spend up to six months in jail in addition to getting your licence suspended or paying a hefty fine. You may also serve a 15-year prison sentence if you cause someone’s death while driving under the influence of alcohol. Apart from this, insurance companies charge a lot to people with a drunk driving record.
DO COMPANIES GIVE INSURANCE AFTER A DRUNK DRIVING CONVICTION?
Many insurance providers are reluctant to offer insurance coverage to someone with a history of drunk driving because they perceive it as a red flag. To obtain insurance, you will need to get in touch with numerous insurance providers. When you succeed, be ready to spend a lot of money for auto insurance because businesses charge more to someone with a record for drunk driving owing to the high risk involved.
Since having insurance is required and you cannot drive a car without insurance, there is little you can do about it. It’s crucial to remember that anyone who has been convicted of drunk driving must disclose their conviction to their insurance provider and should not attempt to conceal it in order to obtain insurance. If you do not notify the company in advance of a claim, they will not provide any coverage.
HOW MUCH MORE DOES A DRUNK DRIVER HAS TO PAY FOR INSURANCE?
Your insurance will cost much more if you have a drunk driving conviction, as was already indicated. There is a very strong likelihood that your current insurance provider will charge you twice as much for insurance following your conviction even if they agree to cover you. The corporation may charge more than double if your charges are serious.
HOW CAN I PAY LESS FOR CAR INSURANCE AFTER CONVICTION?
Even if you are found guilty of drunk driving, your journey is not over. There are a few ways to purchase insurance for less money. These consist of:
DO A RESEARCH
After being found guilty, it is a good idea to study insurance providers. In your desperation, you shouldn’t merely take the offer from your current insurance provider. You could look up other insurance providers and see what they have to offer. They might cost less than your current insurance does.
TAKE PART IN REHABILITATION COURSE
As part of the rehabilitation process, you can be obliged to enrol in a course after being found guilty of driving under the influence. Some insurance providers provide discounts to drivers who complete this rehabilitation course. The rehabilitation programme must be paid for, but in the long run, it saves you a lot of money on insurance by lowering the cost.
Buy a Car with Less Insurance Premium
The fact that insurance rates vary from vehicle to vehicle has been brought up frequently. As a result, you must purchase insurance and a car that is affordable to repair. How do you locate this vehicle? Actually, there isn’t a set rule. For more information, you can speak with a mechanic or a car insurance provider.