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Your auto insurance after a DUI will be affected for several years due to the fact that you’ll now be classified as ‘high risk’. The first major impact you’ll see in regards to your auto insurance will be the mandatory requirement that you carry what’s referred to as an SR22 insurance policy for 3 years.
The SR22 insurance policy is reserved for DUI drivers when they get their drivers license back and is the highest risk policy an auto insurance company can cover. Not all employers offer this type of auto insurance either and most of the major insurance carriers will likely drop you after your DUI conviction (or whenever they find out about the DUI on your driving record) as they don’t insure ‘high risk’ policies.
To get a high risk policy you’ll most likely need to seek out smaller companies that specialize in these types of policies. These smaller companies are set up specifically to provide high risk coverage and charge as you could have guessed a bit more for their services. In some instances your auto insurance after a DUI can be at least 2 or 3 times what a ‘regular’ policy costs.
The thing to remember about getting auto insurance after a DUI conviction is that there are no laws in effect that regulate the premiums that are charged. What this means is that each company is free to charge whatever prices they want in order to issue you one of these high risk SR22 insurance policies. Knowing this, the best thing you can do is to comparison shop and get quoted on as many policies as you possibly can before deciding on a particular insurance provider.
When you start shopping around for auto insurance it is very important to understand what each state’s minimum requirements. If you don’t have the minimums it is just as good as not having auto insurance. Let’s take a quick look at what the minimums are for auto insurance in Washington.
The minimums are $25,000 for injury to another person. Then there is the $50,000 for all other people that have injuries in an accident. You have to have $10,000 for any damage that is caused to another person’s property. Sometimes it is easy to question why certain minimums are in place, but it is important to follow the laws. The minimums have been set in place from statistics over the years. Statistics speak for themselves.
Having insurance in place isn’t the only thing you need to do to make sure you are protected.
You need to make sure you have proof of auto insurance in Washington in your vehicle. It can’t be just a receipt that you have paid. You will want to make sure you have put the actual card that your insurance company has given you. On that insurance card it will include the name of the insurance company, the policy number and the policy’s effective and expiration dates. It will also include a description of the vehicle and the insured drivers name.
You might not feel that is critical since you could call your insurance company and get the information if something happened, but if you are stopped by an officer you will receive a $450 fine and it could go on your record.
It is very important to start with meeting the minimums and having your insurance card in your car when having auto insurance in Washington.
An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report. When you have an accident and make a claim on your insurance, the company will send out an adjuster to access the damages and come up with an amount of money that will be needed to complete the repairs. The auto insurance claim adjuster has to contact the garages to get an estimate of what the parts and labor will cost.
When you report a claim for an accident to your auto insurance, they will contact the appropriate adjuster. The auto insurance adjuster assigned to your case will contact you to get the details on where he/she can assess the vehicle. Then you will receive a report from the insurance company regarding the assessment the auto insurance claim adjuster submits. If the damages exceed the value of the vehicle, it will be “written off”.
The amount you get on your auto insurance policy depends on the policy itself. If the auto insurance claim adjuster determines that the vehicle is written off, the insurance will pay you the book value of the vehicle. This could be more or less than what the car is worth. With some auto insurance policies, you can pay extra to have a clause included stating that if the vehicle is written off within the first two years, you get the full amount that you paid for the automobile.
There is a certain process that an auto insurance claim adjuster has to use to come up with the amount the insurance company will pay. You will usually get two quotes – one that will see the car getting repaired at a top of the line garage and another if you take a cash settlement on the claim and get the work done yourself. The auto insurance adjuster knows that many people have friends who can do the work cheaper and often take the money.
Once you decide how you want to proceed, the insurance company will issue a check. If you are paying on the vehicle, the check will be made out jointly to you and the lender. Otherwise the check comes directly to you. The job of the auto insurance adjuster is only to access the damages, Any dispute you have regarding the report made by the auto insurance claim adjuster has to be done through the insurance company. Keep this in mind because the adjuster is only an ordinary person like yourself trying to make a living.
An auto insurance claim adjuster doesn’t have an easy job.
Law requires that every car insurance applicant is treated with equality as it is a must to have cars covered under insurance before you bring it on the road. Universally, car owners and drivers are protected against discrimination and here are the details you will need to guard yourself from. A car insurance company cannot deny, refuse to renew, limit, or charge you extra based on reasons like race, color, religion, or nationality.
Also a car insurance company cannot deny, refuse to renew, limit, or charge you more because of your age, gender, marital status, geographic location, disability, either partial or complete, unless such a refusal, limitation, or higher charge is “based on measured undertakings or realistic principles.” If the insurance company were to discriminate against you, they would have to show cognizable evidence that you are a greater risk in comparison to others. This also includes that an insurer cannot refuse to renew your policy when some family member attains driving age.
This is not all. It is unlawful for a company to distinguish between individuals posing the same rate of risk or discriminate class in its rates, terms of policy, benefits, or claim settlements unless such refusals or discrimination is “based on sound and actuarial principles.”
However, these are fundamental in nature but deep down, the law has stretched its arms very far with a view to make sure the car insurance is available to everyone in all fairness. This includes points like past driving history, lack of driving experience or business.
What are your rights?
The law provides for suing an insurance company for failing to follow anti discrimination which also includes refusal of insurance. To make the procedure for filing a suit, the law allows you to file a suit in your district court. On your part, make sure that your litigation is in good faith, and is based on solid grounds. In case the court finds that the suit is baseless and filed for harassing the car insurance company, you will probably be ordered to pay the legal expenses to the company.
