“Tis the season” – for parties with family and friends.  A wonderful time of year to build fond memories; however, people must remember to be safe when it comes to drinking alcohol.  During this time of year there tends to be more drinking opportunities along with more driving to do. 

December has been designated National Drunk and Drugged Driving Prevention month.   According to MADD, an estimated 11,773 people died in alcohol-impaired traffic crashes in 2008.  And  3 of 10 Americans will be involved in an alcohol-related accident in their lives.   I could go on and on about how if you choose to drink & drive you are endangering yourself & others, instead I’m going to focus on how a DUI could affect your auto insurance and life insurance. 

A DUI will impact what you pay for auto insurance!  A DUI conviction will show on your driving record.   If you are having your auto insurance quoted then a copy of your driving record will be reviewed.  Also, you’re driving record may be reviewed if your auto insurance policy is renewing.  Obviously, this can have a negative impact (price and insurability) with your insurance company. 

Some insurance companies will not insure individuals that have a DUI on their record.  Others will insure you at a much higher rate, because now you are considered a higher risk driver.  American Insurance & Financial Services does represent carriers that insure individuals with DUI/DWI’s on their record, however the rates will be much higher. 

Also, what  if you’re DUI caused an accident in which you injured other people?  You better have enough Bodily Injury Liability.  Otherwise you could be sued for the difference between the court judgment and your current insurance coverage.  To learn more about bodily injury liability check out our page on auto insurance.     
Most life insurance companies stipulate that if you have had a DUI or DWI in the past 5 years that you don’t qualify for their standard health ratings.   

Remember to drink responsibly this holiday season!!

Assign a designated driver

Take alternate transportation – call a taxi, take a bus or call a friend

Don’t be afraid to hide keys – If you notice an intoxicated individual will be driving, it’s okay to hide their keys.

Play it safe this holiday season!