Quote:
Originally Posted by CaptainCrunch
I was reading on the insurance side of things for a DUI charge, the courts don't notify your insurance company of your conviction if you're convicted, so you might catch a break there. But a large chunk of insurance companies will check your driving record on occassion.
If they do, they wipe out your driving history and reset your insurance rate to the highest level possible of a person without a driving record. So your literally paying the same thing as a first time insuree, which can almost double or triple your insurance rate, and that can last between 3 and 6 years. So take your annual insurance rate and times it by 2 and budget that.
If drinking and getting behind the wheel of a potentially lethal high speed weapon isn't enough to stop people from pounding drinks back and driving, the court costs, and insurance costs should hopefully make people act smarter.
But it doesn't.
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Most Insurance companies won't drop your driving record unless there is an accident but they will add a criminal conviction surcharge that varies depending on the company and is checked for by pulling a drivers abstract a couple months prior to the renewal. If you use just the Alberta government grid rates (available to the public) and base things on "one way" "PL/PD" coverage the liability portion would go up from $1,222 to $4,826 based on a male driver over 25. This is just for liability only and if you carry collision or comprehensive things get even uglier. If you lease or finance the vehicle uglier yet as you can't drop the coverages even if you want to for the 3 years that this conviction stays on your record. Many people can't afford to drive during the 3 year surchargable timeframe. The above is based on over 25 years old. If you are under 25 you will be longboarding to work
