Drunk Driving DUI Insurance in Washington
Reader’s Question:
What are the implications of DUI to my car insurance here in , Washington? I suppose it can’t be a good thing.
Bill
Spokane, WA
Since when has drunk driving been a good thing? I suppose you already know about the license suspension, lawyer fees and fines. I’m assuming here that you did get convicted of drunk driving. Well, in case you haven’t spent enough yet, on top of everything, you have to worry about higher premium prices for your vehicle insurance–that is if you are lucky. Some insurance companies will actually cancel your policy. And bet the top of your legs that you’re going to have a hard time looking for new automotive insurance. So, let’s say that your company decides to keep you, you lucky son of whatever, as one of their policy holders. You then will be branded as high risk. Your car insurance company is required to submit an SR-22 to your DMV there. It is a document that gives proof that you have the minimum required coverage, and more importantly, it reestablishes your driving privileges.
If you’re thinking that this is easy enough to handle, that it was all worth it since you had so much fun drinking, let me tell you now that not all insurance companies offer SR-22s. Check out your insurance laws there in Spokane, WA to find out. And one last thing, stop being an idiot. Don’t drink and drive. 
Adding Teenage Driver To Tacoma Washington Auto Insurance Policy?
Q: Does adding ta teenager to an auto insurance policy make my prices go up, or should I have her get her own policy?
A: Adding a teen to your policy will definitely make your prices go up, but you can only have her get her own policy if she is old enough. Usually, the youngest age someone can get an insurance policy for themselves is when they are eighteen. Up until then, they either have to be uninsured or be on an older person’s policy. You will have to put your teen on your policy if they live with you, because if your car insurance company finds out you have a high risk individual in your house they might cancel you for not informing them. Even if your kid doesn’t drive your car, they won’t believe you.
Rather than worrying, contact your car insurance company and see what discounts they have available for teenage drivers. At least three should be available, among them a student discount, which will allow you to have some taken off of your premium if your teen makes a B average or above in school, and a driver’s education iscoun, which will award your teenager for taking a general driver’s education course.
Vancouver Washington SR22 Auto Insurance Quotes
Q: Since I’m required to have a Vancouver SR22 car insurance policy, aren’t companies supposed to sell one to me? Because I can’t find one.
A: No car insurance company is required to sell you insurance when you pose so much risk, as all holders of SR22 policies do. While car insurance companies aren’t able to discriminate based on unrelated reasons, such as the color of your skin or your religion, they are able o discriminate based on how much risk you pose, or, in other terms, how many claims people in your demographic are likely to file.
If you have trouble finding someone to get your policy from, you should try higher priced companies which sell to people with expensive cars and other high risk types. It’s easier to get a policy from one of these, although not certain, and it’s also cheaper than the other alternative.
If you can’t find a way in that way, then instead you can get a policy by joining up with your state assigned-risk pool, where the Department of Insurance will randomly hand you over to a car insurance company, which will have to insure you (at a very high price) even if they already denied you when you went there on your own.
Loading ...