Auto Insurance For DUI Drivers
Reader’s Question:
My son is out drinking with his friends a lot. It’s fine by me as long as he takes care. Once, however, I caught him driving while drunk. What are the consequences of this? Can you tell me about the state sanctions for DUI as well as DUI insurance?
Mary Jane
Baton Rouge, LA
The most frightening thing about drinking under the influence (DUI) of alcohol is that one can get into an accident and suffer unspeakable injuries. For this reason alone, everyone must be cautious in driving. One mustn’t drive if he/she feels unwell or distracted. He/she mustn’t speak on the phone or attempt to do several things at the same time while on the road. Driving a car requires one’s full attention. Being alert and sober is imperative.
As for state sanctions and regulations, Louisiana considers the first DUI as a criminal offense. The punishment includes a fine of $1000 — not an easy amount of money to let go — on top of paying for all the legal proceedings. Mary Jane, one may also face jail time depending on his/her age.
And what constitutes DUI? A drunk driver is any adult with a BAC of at least .08; a minor with a BAC of .02 or higher; and finally a commercial vehicle driver with a BAC of .04 or more. If you would notice, it takes less intake of alcohol for your teenage son to be arrested for DUI.
After the first offense, it is normally mandatory for arrested drivers to show proof insurance so that they can get their licenses reinstated. By the way, DUI insurance is much more expensive because there is a higher probability that the driver will make a claim.
First Time Buyer of Car Insurance Policy
Reader’s Question:
It’s my first time to buy a car insurance policy here in Massachusetts. Are there any reminders that I need to know first before I purchase a policy?
Milton
Framingham, MA
Learning more about car insurance before buying a policy is a very good idea, Milton. It’s better to understand your options better, so you will be able to get the car insurance policy that is perfect for you.
As you may already know, every state in America requires you to have car insurance with at least the minimum required coverage. And if you get caught driving without proof of insurance, there is a big chance that your license will be revoked.
A car insurance policy typically has property coverage that covers expenses when your car gets damaged or stolen. With liability coverage, your policy will shoulder the medical expenses of people injured or properties damaged. Your car insurance policy can also be useful should you get sued after an accident.
Be sure to contact the Massachusetts Department of Insurance for more information regarding the required minimum liability coverage for your car insurance policy.
Regarding your rates, most car insurance companies in Massachusetts offer reasonable premiums for most drivers. However, if this is your first time driving a car, your premium rates could be expensive. The car insurance company will also assess if you’re a high-risk driver or not through your driving record, credit history or any traffic violation convictions. The more you get involved in an accident, the higher your premiums will be.
Your age, gender as well as your residence location will be considered in determining your policy rates. The type of car you drive is also a factor and will affect premium prices. Sports cars and SUVs are usually expensive to insure compared to heavier and slower sedans.
If you have more questions regarding car insurance policies in Massachusetts, call your local agent or go online for free car insurance quotes before you finally decide on purchasing your own insurance policy.
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