Quote:
Originally Posted by opendoor
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.).
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I personally pay for uninsured motorist protection and likely so do you so the cost of this service is born by all Customers and based on risk wether or not the company insures people with a drunk driving history.
I would bet there are plenty of behaviours that are done outside of vehicles that affect the probability of having accidents. I would bet drinking in general raises the probability of accidents. So should your insurance company ask you if you ever drink. Owning a Cell phone probably increases risk as well. The reasone drinking and driving is penalized by insurance companies is because they can. Its similar to persecuting smokers.