Yikes, ouch auto rates increase
Member
Thread Starter
Join Date: May 2005
Location: Parker, CO
Posts: 495
Yikes, ouch auto rates increase
Just got our new auto insurance policy in the mail, apparently they just got the DUI reported to them not long ago, well, we are seeing it in a rate increase, a BIG jump. 
Have any of you been thru this, did you change your alcoholic to high risk insurance or what?
I swear these DUIs never go away do they? It seems like you get them finished and it's back to square one. He's done all the classes, breathalyzers, going to probation officers, etc.
He is going to work on it and call around to see what can be done. It's his deed, he has to work on finding a better way to deal with it.
Have any of you been thru this, did you change your alcoholic to high risk insurance or what?
I swear these DUIs never go away do they? It seems like you get them finished and it's back to square one. He's done all the classes, breathalyzers, going to probation officers, etc.
He is going to work on it and call around to see what can be done. It's his deed, he has to work on finding a better way to deal with it.
Occasional poor taste poster
Join Date: Jul 2005
Posts: 2,542
Days after M totaled the 2nd car , (and got the DUI) she bought another one then called my Ins. company, (w/ the policy in my name) and added her new car. I found out and called the Ins. company and told them to remove her car and drop her name, then placed a password on my policy so she couldn't make anymore changes simply by picking up the phone. Then I told her she had to get her own insurance. I know, hardball but at that time I was done. She moved out a few months after that. She had to deal with it on her own and I have no idea what her rates are.
Member
Join Date: Apr 2006
Location: Pugetopolis
Posts: 2,384
Where I live-in Washington state, we have sr-22 for high risk and repeat offenders. I was on that for the first three years I was sober. It cramped my style a bit and I did my share of grumbling. I've had a perfect driving record for ten years up until last year-the I got two speeding tickets and got in a minor fender bender. Now my rates are way up again and I'm back to griping about auto insurance companies and how they screw me-LOL!
Member
Join Date: Jun 2006
Location: Wisconsin
Posts: 9
I work customer service for a high risk insurance company and deal with this EVERY DAY I work. There are alot of insurance companies that are going back 5 and even 10!!! years on your record for what they call "major" offenses. An OWI (DUI or whatever you want to call it) being one of them. I also handle sr22's every day, and although our insurance company only looks back at your record 3 years, our rates are sometimes higher because we are a "specialty" insurance company. Some insurance companies are actually taking it easier on first time OWI offenses. For example, we charge 3 points for the first offense. If you get a second offense, we would charge 9 points for that one.
In my state, Wisconsin, anyone with an OWI has to carry SR22 insurance after their first offense if they want to carry an occupational license. After the second offense, an occupational isnt availalble for a year after the conviction, after which you still need an SR22. Some insurance companies charge you for the SR22 as well. The company I work for does not.
In my state, Wisconsin, anyone with an OWI has to carry SR22 insurance after their first offense if they want to carry an occupational license. After the second offense, an occupational isnt availalble for a year after the conviction, after which you still need an SR22. Some insurance companies charge you for the SR22 as well. The company I work for does not.
Member
Join Date: Sep 2004
Location: In my own world...
Posts: 444
You're lucky you still have insurance. This reminded me of my parents. My dad got an impaired, (this was a long time ago) after my parents were married. My mom called her insurance company on and unrelated problem and somehow spilled that my dad had gotten the impaired charge. She was the only one on the insurance at the time and it was a totally seperate company but after they found that out, they dropped her. She had a totally clean driving record and she got skidded. She doesn't even drink! They assumed that since he lived in the same home that he'd drive her vehicle even after she told them he wouldn't. She was royally angry. :uzi2:
Member
Join Date: Jun 2006
Location: Wisconsin
Posts: 9
SR22 is a financial responsibility filing the state might require of you for several different reasons, in some states, driving without insurance, OWI, repeat traffic offender.. etc. Its where the insurance company notifies the state that you have coverage and also notifies the state if your insurance cancels.
Holding The Father's Hand
Join Date: Jul 2005
Location: Oregon
Posts: 96
Hey Sassy, does that mean that the state was notified when I removed AH and his truck from my insurance policy? He has a hardship license due to two DUII's and was required to have an SR-22
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