DUI Insurance Coverage
Reader’s Question:
I recently been convicted of DUI. I would like to know if this will affect car insurance rate if the policy is not inder 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 judgement 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 of dui insurance coverage from your car insurance company, it is best to comparison shop for a more affordable dui insurance. Shop for insurance companies that will provide coverage that you can afford.
You can do a lot to help lower your dui insurance coverage plan. One way is to attend traffic school. Some companies offer discounst 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 coverage rate.
DUI Insurance
Reader’s Question:
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.
Auto Insurance Company
Reader’s Question:
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. 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.
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