In this blog, let us tackle how do insurance companies find out about dui. Let us discuss the various ways they discover if you’ve been in a motor vehicle accident. This includes things like your auto insurance company receiving a notification from your state’s DMV, you being pulled over by a police officer for a traffic violation, or someone else submitting a claim to your insurance company for damages caused by your driving.
Continue reading this blog as this will help you understand about DUI insurance and how insurance find out about the fact when insurers make a claim.
Yet first, what is DUI insurance?
DUI stands for “Drunk Driving Insurance”. It is insurance you must have in your auto policy. You see, in many states it is against the law to drive while drunk. If you are arrested and convicted of driving drunk, your automobile insurance company cannot deny coverage based on that conviction. Therefore, it is in your best interest to make sure you do not get into an accident while intoxicated. Having the proper DUI insurance gives you complete protection against having to pay the penalties that can result from a drunk driving conviction.
After a person has been arrested for drunk driving, their insurance rates go up. The higher rates remain even if the charges are later dropped. That’s because insurance companies believe people who drive while intoxicated are much more likely to get into an accident than sober drivers. They’re right. According to the National Highway Traffic Safety Administration (NHTSA), many motor vehicle fatalities involved a driver with a blood alcohol concentration. And that’s just fatal accidents. What about all those other accidents and injuries that don’t result in death? In that case, the NHTSA says, “Injury severity increases with blood alcohol concentration; at least half of all seriously injured drivers who have a blood alcohol concentration.
When people hear the words “dui insurance” they think of the following:
They think of their auto insurance which covers them in case they are in an accident with another car or a pedestrian. They think of their home owners insurance which covers them in case anything goes wrong with their house. They think of their “umbrella” insurance which extends the coverage of their other policies. In short, dui insurance, for most people, covers them in case they get into any kind of trouble with alcohol or drugs.
How do insurance companies find out about DUI?
The answers vary from state to state but, in most cases, if you’ve been convicted of a drunk driving offense in one state, then the insurance companies in other states will know about it. They’ll know because, when they check your driving record, they’ll see that you have a conviction for drunk driving in some other state. And, if you keep getting convictions for drunk driving, then the insurance companies will raise your rates very high.
Many people who have been convicted of drunk driving believe they are not going to be found out. They figure nobody cares. Or that the penalties are too light. That is not true. In fact, it is almost impossible for a person who has been drinking and has had a car accident to successfully hide his or her involvement. If you are involved in an auto accident, the police will search your car. If they find any evidence of alcohol in your system, they will charge you with DUI. It is important to know how this process works.
The investigator then goes to the local insurance office and shows them a copy of the DUI notice he has received from the auto insurer. The investigator tells the insurance agent that the owner of the vehicle has no current insurance and he wants to buy coverage for the vehicle.
Why do you need car insurance?
Car insurance that covers DUI can be a relief for them when thy will encounter fatal car accident. Do not think to only purchase insurance policy until you need it. And even when they do know, they often don’t pay much attention. They take it for granted. That’s why I like to give them a bunch of bullets to shoot off at the prospects. This way they can start to focus on the ins and outs of their coverage, without having to struggle to understand all the detail in a dense, complex ad.
Many people who have been arrested for drunk driving refuse to take a breathalyzer or a blood alcohol test. They know if they fail the test, their license will be suspended and they will be punished financially. However, if they hide the fact they were drinking, their chances of having their license suspended are greatly reduced. That’s why many people with a record of drunk driving will often go to great lengths to try and find out how the arresting officer found out they were drinking.
Most people who are involved in an accident that results in them having to have their car repaired have auto insurance. However, many of these people don’t know it but they also have a separate “dui” policy which protects them against having to pay a penalty if they are ever involved in another accident within two years of the initial accident.
This is the kind of insurance question I like. It’s easy to answer and very hard to get wrong. You see, How do insurance companies find out about DUI is, they check with the DMV. If you have a DUI or any other traffic violation on your record, the insurance company will automatically exclude you from coverage. They have a database of driver records and they use it.
Insurance is usually considered a “safe” purchase. People often buy auto insurance, home insurance, health insurance, etc., without too much thought. However, if you own a car, you should definitely insure it. If you have a home, you should definitely insure it. If you are young and healthy and not in an accident-prone category, you may not consider the possibility of having an expensive accident or getting sick. But accidents do happen. And while some of us may never get seriously injured or become seriously ill, all of us will eventually have to deal with some sort of unpleasantness. The question is: Are you going to be ready for it? People who are insured are financially when they do need it, they will be grateful for the coverage and will feel an obligation to keep paying premiums.