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How a DWI can affect your insurance rates
Driving while impaired/Driving while intoxicated (DWI) is the offense committed by a person who drives or operates a motor vehicle while impaired by alcohol or any other drugs including recreational drugs or prescription drugs. This is a dangerous situation as the driver could be incapable of driving the vehicle safely. The number one cause of traffic accidents are unfortunately caused by DWI. Hence the auto insurance of a person who receives a ticket for DWI automatically and naturally increases.
A DWI can be a difficult experience for any individual to go through. Having a DWI on your record could prove devastating, as you will be paying for it long after your court or legal interactions have ended. Hence, a DWI impacts a person’s auto insurance directly. Your driving record will quite clearly show your DWI and when you go in to get auto insurance, the insurance company will first check your driving record, and will come to know about your DWI immediately. This also happens if you want to review your auto insurance policy. You will be automatically considered as a high risk driver and the insurance companies charge you accordingly. In case of a DWI, points are added to your driving history and the insurance company charges you more for auto insurance if your points are higher than the average driver. Some insurance companies may even go to the extent of denying you auto insurance if they find a DWI on your driving record. It is hence a pretty grave situation to find yourself in as it could impact you for a very long time. That does not mean that it is impossible for you to find good auto insurance if you are charged with DWI. There are insurance companies out there in the market that accommodate high risk drivers as well; but then everything comes at a price. Hence if you have been charged with DWI, you need to be prepared to shell out more to maintain your car insurance for quite a number of years.
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