How DUIs and accidents effect your car insurance rates?

In: Auto Insurance

2 Dec 2012


I know several people that have multiple DUIs. The strange thing about this is that they all pay a fraction of what I do for car insurance. I have a car that is almost 20 years old and I pay just liability. My payments are higher than my friend who drives a 2007 Honda with full bumper to bumper coverage. I have two accidents on my record right now. But are accidents weighed heavier than DUIs in the eyes of insurance companies? Its quit frustrating

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2 Responses to How DUIs and accidents effect your car insurance rates?

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Freckles

December 2nd, 2012 at 9:00 am

Did you mean to ask about how DUI’s and accidents ‘affect’ your car insurance?

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ken k

December 2nd, 2012 at 9:44 am

they are not on the paper/they have no license/they have switched identities/state usually suspends for years for multiple dui

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  • ken k: they are not on the paper/they have no license/they have switched identities/state usually suspends [...]
  • Freckles: Did you mean to ask about how DUI's and accidents 'affect' your car insurance? [...]
  • apg2000: When you have an accident it raises your risk of having more accidents. It is all statistical mumbo [...]
  • Rich: Even if the total claim cost $2000, that does not include the cost of sending out an adjuster to loo [...]
  • trailerville: Insurance is a way to transfer a large unknown risk of loss (accidents) to a company in return for a [...]

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