National Drunk & Drugged Driving Prevention Method is recognized in December. Driving under the influence is a serious problem in our nation year round but especially around the holidays. Everyone is hosting a party. Most of the time those in attendance are having to drive home afterward. We want your holidays to be full of fun but not at the cost of someone’s life. Driving requires concentration to properly read road signs and react to other vehicles on the road. Driving under the influence slows your reaction time. Alcohol impairs your vision, comprehension, attention and coordination. Accidents resulting from driving under the influence are typically very destructive and often deadly. Driving under the influence endangers not only yourself but also those innocent travelers on the road around you.
A DUI and Your Insurance
A far second to the value of ones’ life is the impact a DUI can have on your insurance. It is very unlikely for you to come out of a drinking and driving accident physically unscathed. It is less likely that your financial future would also be unscathed. Insurance is designed to take on risk but not risk that is preventable or illegal. Insurance markets with the best rates are able to stay competitive because they look for low risk clients that pay in a timely manner. High risk markets will accept anyone regardless of loss history or payment frequency. They can do this because they charge significantly more. A carrier with preferred rates will most likely cancel your policy if you have a DUI. You will be forced to seek insurance from a non-standard market. A DUI will typically stay on your insurance history for 3-5 years. This means you will remain in the non-standard and more expensive market for a minimum of 3-5 years.
Drinking and driving is not worth it. It’s not worth risking your life or someone else’s. And it’s not worth risking the financial burden you might suffer for the 5 years following. Don’t drive under the influence. Make other arrangements this holiday season.