Driving under the influence (DUI), operating a motor vehicle while impaired, operating a vehicle impaired, and driving while intoxicated are all variations of an offense given to those who drive a car while intoxicated or under the influence of a substance. A DUI can affect an individual’s insurance status, so it is helpful to understand how certain insurers handle it. Here is information from a DUI lawyer in Rockville, MD, regarding how Progressive Insurance deals with DUIs.
Coverage
Unlike some other insurance companies, Progressive will insure drivers after they have received a DUI. The company will file an SR-22, a vehicle liability insurance endorsement, on behalf of a driver. People who have obtained a DUI and want to switch to Progressive should know that the company will allow them to purchase a policy and obtain an SR-22 for them as soon as possible. Those who are already insured under Progressive while involved in an accident wherein they were caught driving under the influence should rest assured that the company will cover expenses related to their injuries, vehicle, and other individuals’ property.
Record
Progressive will take a DUI into account for as long as it stays on an individual’s driving record. Note that the length of time a DUI remains on a driving record varies by state. A DUI stays on an individual’s record for five years in certain states, such as Delaware, Kentucky, and Maryland. In Connecticut, Massachusetts, and New Hampshire, a DUI stays on a person’s record for ten years. A DUI stays on a person’s driving record forever in Alaska, Texas, Kansas, and several other states. It is worth noting that an individual’s driving record is different from their criminal one. Fortunately, people can find information about both kinds of records online.
Rates
Progressive will increase an individual’s rate after they have received a DUI. Typically, the company will increase the rate by 13% after their first DUI. Progressive will take into account the individual’s speeding ticket and accident history when determining the rate increase. Doing this helps them gauge how much of a risk the driver poses. People who have a positive driving history and recently received a DUI should know that their rates will not spike or increase exponentially.
Figuring out how an insurer handles drunk driving accident claims can be a bit tricky. Contact a DUI lawyer like Daniel Wright Law today to learn more about how insurers deal with such claims.
