Why Are DUI Convicts Considered High Risk Drivers?
If you are convicted for driving under the influence of alcohol or drugs (DUI/DWI), you will be classified as a high risk driver and you will be subject for fines and penalties. In addition to your classification as a high risk driver, there is also the possibility of increased car insurance rates and the possibility of auto-insurance companies denying you coverage. Find out why DUI convicts are considered high-risk drivers. If you plan buying auto insurance online, visit our website and get free quotes.
Alcohol (and other intoxicants) affects the central nervous system and impairs driving ability, slowing reaction times and concentration while affecting our ability to monitor speed. Research shows that, because of these effects, those with .09 blood alcohol concentration (BAC) or greater are 11 times more likely to be involved in a fatal crash than completely sober drivers. Every state (and D.C.) makes it illegal to drive with a blood alcohol concentration of .08 percent or higher. And the penalties for a DUI are stiff. State laws vary, but most states, at the very least, levy a fine and suspend or revoke driving privileges. The amount will vary depending on individual circumstances but for a typical one-car/one-driver policy, the average premium could increase by a few hundred dollars.
After your drunk-driving conviction, you will be considered a high-risk driver. Most states require such drivers to obtain from their insurance companies for filing with the state SR-22 forms, which certify that high-risk drivers are insured. These insurance issues are highly regulated by each state and can vary in how they are handled, so it is important to know the law in your state and what variations to these issues that law may bring.
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