No matter how expensive your insurance policies are, they cannot save you from paying fines due to traffic offenses such as speeding, careless driving, or DUI (Driving under Influence). A DUI ticket is considered a major offense since you put your life and everybody else's into risk deliberately. You need to pay high fines depending on how serious the offense is. In case you are at fault in an accident when you are driving under influence of alcohol, you may get your driver license and vehicle registration suspended. Car insurance companies usually check your driving records before they can determine the next step. Insurers will consider the severity of the offense, your risk as driver, and economic demographics before they raise your premium rate, transfer you to high-risk class, or simply cancel your policy. Insurers will use those variables in different ways; some companies rank DUI a less of a risk compared to at-fault accident. Providing coverage to high-risk driver is as well a risky business for insurer. They consider you a high-risk driver with a tendency to get involved or cause accidents. Once your policy is cancelled, you will need to find a new insurer which does provide high risk policy. Once again, depending on how serious the DUI is, you probably can still get cheap auto insurance quotes. A DUI at low speed as your drive from bar located not very far from your home will affect the driving record differently with a fatal accident at high speed while you are driving under the influence of alcohol or drugs. How to get car insurance after my policy is cancelled? There are some possible scenarios concerning your DUI ticket. Being pulled over and signing tickets are not admission of guilt. Please put in mind that you can always contest the charge in court at a later date. You can call an independent insurance agent to discuss how it will affect your insurance policy or rates. If your current insurance company cannot provide high-risk policy, it is best to find a new insurer who can. Nevertheless, you must try to fight the charge to get rid of the offense from driving record; clean records make it easier to find new insurer. Some considerations to put into account before trying to get insured again are as follows. 1. This is not going to be an easy process As previously mentioned, some insurance companies cannot afford providing coverage for high-risk driver; this means you have very limited options. If you are proven guilty of a DUI offense, some big names in insurance industries may not even give you coverage for at least three years because DUI ticket will stay on your record for at least three years too. Before the ticket is removed, it will affect your car insurance estimate. 2. Contest the charge if possible If the DUI offense is only considered a misdemeanor, not a felony, a good attorney will be able to reduce or even completely drop the charge so you can come out clean. The ticket will not appear on your record, and you can easily find a new insurer. Clean record is an indicator that you are a safe-driver or the preferred class of insurance customer. It should be easy for you to get affordable car insurance from any company. When the charge is reduced, the record is likely to appear on the record anyway. As a consequence, you will pay less expensive fines, but your insurance rates will likely to increase. 3. Accept the consequences and take punitive actions appropriately The most common restitution is paying fines or conducting community services. There are plenty of community services such as diversion program, taking driving courses, etc. DUI ticket is an addition of the actual reason you are pulled over by an officer, so you have to pay fines for every offense accordingly. You need to know about SR-22 form as well. SR-22 is a form used as a proof of insurance. It is issued by your insurance company to verify that you are indeed insured. SR-22 is only required in DUI case, your license gets suspended due to any reason, you are at fault in accidents, or you are caught driving without insurance. Use a car insurance calculator online to compare premium rates from company to company, but you need to use a calculator that has driving record as a variable. If your policy is cancelled completely [http://carinsuranceestimate.org] by your current insurer, your best bet is to find high-risk insurer to provide coverage. Some of the big names you may want to consider are Geigo, Progressive, and The General Insurance. Note, however, you have to pay high insurance premium rate. Any of them will give full coverage auto insurance, but you have to pay higher premium rates considering you are now high-risk driver. You may get to pay cheaper when the driving the record is finally cleaned. Article Source: http://EzineArticles.com/expert/Javier_V_Boix/1622202 business insurance, Home insurance, insurance, insurance online, life insurance Article Source: http://EzineArticles.com/8531120
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