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Driving under the influence (DUI) is a serious, yet quite common offense. As you may know, a DUI conviction can be humiliating and expensive for the person involved. Some of the short-term consequences include fines, attorney fees, and license suspension. The long-term consequences are often the most expensive due to the effects on auto insurance rates and coverage.
If you are convicted of a DUI, your insurance company will likely uncover the occurrence. The first way insurers uncover a DUI is through their annual driving record investigations. The second way they find out about a DUI is that you may have to file form SR-22 (Proof of Insurance Certificate) when you re-instate your license. Not all insurance companies will file a SR-22 form, so you might have to consider other options such as changing companies. How insurance companies deal with your specific case is dependent on your individual driving record and past delinquencies, but there are two basic outcomes. Often times, the companies that accept SR-22 forms will specialize in "high-risk" driving auto insurance. While your insurance rates may increase, filing with a smaller company usually makes the switch less expensive then attempting to file an SR-22 with a major firm.
Insurance companies deal with DUI convictions in two general ways. First, they might drop your coverage completely and you will have to find a new company to insure you. The other route they can take is substantially increasing your rates. They will now, because of your DUI, classify you as a "high risk" driver. Regardless of the outcome, you as the paying client, have options to work with.
There are many companies that cover clients with a DUI on their record. In rare cases, insurance companies never find out about the occurrence because it slips through the cracks within an enormous bureaucracy. While we hope you are lucky enough to slip through the cracks, we are also here to prepare you for any negative outcomes. Either way, just keep in mind that you do have options and there are always people there to offer a second chance, you just have to take it.
*Feel free to visit my website [http://the-florida-dui.com/] for more information regarding DUI cases in the state of Floria.
Nickolas Gatz, Copyright ZNGInc 2007
[http://the-florida-dui.com/]
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Big Maceo Merriweather "Eloise" - Fortune Records (rare Detroit blues!)
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CLAUDE KING - Wolverton Mountain + Little Bitty Heart, Robin Gibb "Save by the bell" Malaysia 60's Polydor Single, 2 Sealed CLASSIC RECORDS Audiophile 180 G. Test Pressing LPs Prokofieff LSC 2465, SEALED Castle 160g LP URIAH HEEP Demons and Wizards - Limited Edition (#2730), BOXER - Below the Belt - Flawless UNCENSORED UK Copy! Rare Lp! NM!!!!, POCO VINYL LP RARE EXC RICHIE FURAY FIRST PRESSING, CHUCK BERRY MORE (LP-1465) LP, DIANA ROSS - Dirty Looks / So Close - 1987 NEAR MINT- w/ PICTURE SLEEVE, KOKO TAYLOR - THE EARTHSHAKER NEAR MINT- LP, MIKE LIPSKIN / WILLIE LION SMITH - CALIFORNIA HERE WE COME VERY GOOD+ LP, WALTER WOLFMAN WASHINGTON - OUT OF THE DARK PROMO NEAR MINT- LP, JOE LOUIS WALKER - COLD IS THE NIGHT VERY GOOD+ LP, CLARENCE GATEMOUTH BROWN - PRESSURE COOKER VERY GOOD+ LP, JOHN LEE HOOKER - DRIFTIN' THRU THE BLUES VERY GOOD+ LP, GREATEST HITS OF JOHN LEE HOOKER VERY GOOD+ LP, B.B. KING - LIVE AT THE REGAL VERY GOOD+ LP, CLIFFORD BROWN - BROWNIE EYES VERY GOOD+ LP, HOWLIN' WOLF - HIS GREATEST SIDES VOL ONE VERY GOOD+ LP, JOHN LEE HOOKER - THE REAL FOLK BLUES VERY GOOD+ LP, CATFISH HODGE BAND - EYEWITNESS BLUES VERY GOOD+ LP, HARMONICA BLUES OF SONNY TERRY DOCTOR ROSS HAMMIE NIXON SONNY WILLIMSON VG+ LP, BOBBY BLAND - HERE WE GO AGAIN VERY GOOD+ LP, BOBBY BLAND - TELL MR. BLAND VERY GOOD+ LP, CHAMPION JACK DUPREE - BLUES MASTERS VOL 10 VERY GOOD+ LP, ROY BUCHANAN - THAT'S WHAT I AM HERE FOR VERY GOOD+ LP, HOUND DOG TAYLOR AND THE HOUSEROCKERS NEAR MINT- LP, Chris Bullock One True Heart Mint Sealed Vinyl Rare Canadian Country OOP LP, THE ALLMAN BROTHERS BAND 2 LP 1973 Eat A Peach EXC!!! RARE Label, STRANGE SPIRITS - SKATT BROS. - 1979 - RARE PROMO LP, Glazounov, Violin Concerto LP Test Pressing SS, Get Yer Ya-Ya's Out - The Rolling Stones LP STEREO, ODYSSEY Single Again/What Time Does Balloon Go Up 12" RCA *DISCO* VG+, MOSTLY MUSIC US Army Reserve Presents NOV/DEC 1970 POP/SOULVG+, SHALAMAR Uptown Festival LP SOUL TRAIN BVL1-2289 SOUL/DISCO VG+, GENE PRICE COUNTRY EXPRESS US Army Presents AUGUST 1974 2LP NM, THE RITCHIE FAMILY Arabian Knights LP MARLIN 2201 *DISCO* VG+, RITCHIE FAMILY American Generation LP MARLIN 2215 *DISCO* VG+, AL GREEN The Belle Album LP HI HLP-6004 SOUL/FUNK VG+, THELMA HOUSTON Any Way You Like It LP TAMLA T6-345S1 SOUL VG+, RUSSELL SMITH russell smith LP 1981 CAPITOL COUNTRY SEALED NM, SKYYLINE Skyy LP SALSOUL SA-8548 FUNK/SOUL VG+, ROCK N ROLL CLASSICS Volume Six LP ROULETTE *SEALED* NM, FRANKIE VALLI Swearin' To God 12" PRIVATE STOCK 5101 DISCO SERIES VG+, FREDDIE JAMES Get Up And Boogie LP WARNER BSK-3356 DISCO VG+, IDRIS MUHAMMAD Boogie To The Top LP KUDU *JAZZ/FUNK* VG+, GARY LAWRENCE & HIS SIZZLING SYNCOPATORS LP COLUMBIA POP/JAZZ *promo* NM, RAMSEY LEWIS Aquarius/Let The Sun Shine In 12" COLUMBIA 10932 *DISCO PROMO* VG+, LED ZEPPELIN IV LP Atlantic SD 7208 VG+, THE ALLMAN BROTHERS BAND 2 LP 1973 BEGINNINGS EXC!!! RARE 1ST PRESS, Neil Diamond " Shilo " Malaysia 1972 Laminate Jacket MCA Label EP , GIL EVANS ORCH Out Of The Cool ORIGINAL Jazz IMPULSE MONO LP BEAUTIFUL!, GERRY MULLIGAN SEXTET EmArcy MONO Jazz LP 1955 original EXCELLENT!!, BEATLES 7'' PS She Loves You QMSP 16347 2nd pressing VARIATION 2 Green label 45!, IRON MAIDEN very rare Canada 45 7" Number of the Beast / Remember Tomorrow, THE BYRDS PREFLYTE MINT (KC-32183) LP, Martin Luther King/ Peace On Earth/ CBC/ 1968/ Massey Lectures/ Very Rare, DEAN DE WOLF- FOLK SWINGER - RARE PROMO, THE SEEKERS - MORNINGTOWN RIDE - RARE 4 -TRACK AUSTRALIAN EP - 1968, JACK REEVES-SIGNED-PICTURE DISC W/LETTER-GOD'S QUEARTET, CHRIS HAMILTON Organ Capers LP RICHMOND/LONDON 20039 POP VG,
