I recently been convicted of DUI. I would like to know if this will affect car insurance rate if the policy is not under my name? The policy is under my mother’s name.

Mike

Los Angeles CA
Your mother’s car insurance rate will be affected if you are listed as a driver under her policy.

The driving record of any licensed motorist on a car insurance policy or in a household can have an effect on the insurance coverage premiums along with the insurer’s judgment to insure the car. Specific violations might result in an insurance company to deny you or the policyholder car insurance coverage plan or to pay high-risk policy.

An individual having a poor driving record is a lot more of a risk for an insurer than an individual with a good driving record and therefore their car insurance cost are usually more costly. The entire car insurance policy hence may be impacted by a single driver’s DUI or major driving offense.

If you have been denied  coverage from your car insurance company, it is best to comparison shop for a more affordable DUI insurance. Shop for companies that will provide coverage that you can afford.

You can do a lot to help lower your insurance premium. One way is to attend traffic school. Some companies offer discounts for those who recently attended traffic courses. This will also help you improve your driving skills. Make sure you also ask for discounts that you can take advantage of. The more discounts you get, the more chances of getting reduce DUI insurance rate.

A friend received a DUI ticket while using my car. I want to see if the event affects my car insurance by getting instant car insurance quotes. Will it affect my future car insurance premiums? How can I get a lower rate on DUI insurance without getting a carrier I have never heard of before and that might not pay a claim?

Gabrielle

Fayette, KY

When a driver gets a DUI ticket while driving your car, the ticket will be issued under the driver’s name not to your car. If your friend gets pulled over, for example, for any traffic violation, and the officer perceives intoxication, then the citation would go to the record of the driver and would affect your friend’s insurance. It should not affect your car insurance.

However, if your friend met an accident while driving your car, then the damage and medical cost claims would come from your insurance. Car insurance follows the car first then driver next when claims are made. This means that if there is any damage, you car insurance would be primary. Any amount over and above what your car insurance could afford, your friend’s car insurance will take over. Responsibility over the matter rests explicitly both on you and your driver friend’s hands. Thus, I would advise you to be careful next time with who you allow to borrow and drive your car.

If by getting instant car insurance quotes, you’d get reassurance that everything would be fine, then go ahead. But there is really no cause for worry as long as no one is hurt and there are no damages made on property.

My name is Patrick and I don’t usually ask stupid questions. But I want to know if one can get auto insurance even if he or she does not have a car. Thanks. Brick, NJ rules.

Patrick

Brick, NJ

Patrick, my man. Honestly, I don’t think the question is stupid, but I hope you don’t rule Brick, NJ. That’d be scary. To answer your question– yes, you, Patrick of Brick, will be able to get auto insurance even if you don’t have a car, much less a donkey. The whole insurance quotation thing would be much easier, though, if you have a car.

This whole scenario, of course, will depend on the insurance company. A car insurance company will usually appraise the risk factor of the car to be insured and the risk they are going to take in insuring you. This car insurance is called non owners car insurance. In the absence of your car, Patrick, they can only appraise your risk factor. You can expect the premium rate to be cruel. If the auto insurance company agrees to cover without a vehicle Patrick, it means that they agree to let you drive any car and promise to have your back. If you drive a Ferrari, which is expensive to cover, they’d cover it. It’s risky for them and expensive for you. Look around Brick, you just might find that car insurance company you need. But, Patrick, wouldn’t it be easier to just buy a car first, then have the car insured? Easier for everybody.

How does a DWI or DUI affect my auto insurance rate in Idaho?

Uma

Boise, ID

As required by most state laws, insurance companies need to file SR-22 for an individual who has been convicted of DWI (Driving While Intoxicated). This is to prove that you have certain types of insurance and you will be able to show an auto liability coverage.

A DWI offense in Idaho basically affects your car insurance policy in two ways. First, your company will keep you insured but will most likely react by raising your premium rates and labeling you as a high-risk driver. Second, your insurance company may cancel your insurance mid-term or terminate the policy at the end of the term because of your DWI conviction, especially if you are currently in a preferred class. Your insurance carrier will send you notification stating why you’ve been canceled, and then you will have to get another insurance provider while having a cancellation on your claims history.

Some states don’t permit insurance providers to drop you in the middle of the policy term even for a DWI charge, so be sure you know the laws in your state.

I received a DUI but I don’t want to lose my license, so I just want to know if there is a US state where I can get a driver’s license? And how will it affect my insurance policy?

Noreen

Thank you for asking Noreen.

All states have laws regarding driving while drinking or driving under the influence (DUI) of alcohol and other serious offenses. In all states a DUI is a serious offense with associated penalties such as jail time, fines, suspension of driver’s license, etc. Most of these states are also part of the Driver’s License Agreement which means that they forward their DMV records with each other so the DUI charge would follow you if you move to another state.

You won’t find out if your license will be suspended or revoked until after you go to court and are convicted and sentenced. There may be provisions in your state to allow you to drive to work. Of course, any change in your status as a licensed driver will affect your insurance policy. You an expect higher rates as a high risk driver, and you may even have your policy cancelled and have to shop for new coverage.

There are some states which allow offenders to operate their vehicles that are equipped with ignition interlocks. This device checks the driver’s breath and will disable the ignition if it determines the motorist has been drinking. I would suggest that you get legal advice regarding this to check if there is anyway in which you could not lose your license.

Goodluck!

MariCAR