The average driver has been given a ticket for an offence at least once in their life. At some point, they may have been found guilty of DWI/DUI.
That is an automatic qualification of a high-risk driver and has the potential of putting lives on the road at risk. A driver needs the right kind of insurance to cover this eventuality. Here is some information on high-risk auto insurance:
- Premiums Are Higher
Insurance companies that offer high-risk auto insurance set higher premiums for this type of insurance. This is because it will be a significant risk to insure these drivers, as they are likely to be the cause of an accident.
- Is Not Easy to Find
Very few insurance companies are ready to insure drivers with a history of DWI/DUI offences. Other qualifications for high risk-auto insurance include: old age (70+), Teenage driver, residence in an area deemed to be high-risk, a driver with no previous auto insurance cover, multiple involvements in numerous car accidents and traffic codes violations, and a driver that just got his license.
- It Is Required to Restore Driving Privileges
DWI/DUI usually leads to suspension of a driver’s license. For one to be allowed back into the road as a driver, you will need to fill out a form known as SR-22. Filling out this form is proof that your vehicle is insured with appropriate auto insurance; ideally a high-risk auto insurance cover.