Quote:
Originally Posted by GGG
Personally, i object to drinking and driving affecting your insurance rates. When a person is over .08 they are no longer insured as a motorist. If they get in an accident they are fully liable for all damages. So if the person is not being insured while they drink and drive why are they charged more for their insurance.
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A drunk driving accident invariably creates costs for an insurance company whether they cover it or not. There are often lawsuits, red tape, and payments from under-insured motorist provisions in policies that come along with drunk driving accidents. Therefore, it makes perfect sense that they'd treat someone with a history of drunk driving as a higher risk to incur costs for the company and charge them accordingly. It also stands to reason that someone who shows little regard to their safety or the safety of others in one manner (driving drunk) is also willing to do the same in other situations (speeding, dangerous driving, etc.).