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Smart Shopper Questions About Auto Insurance & Accidents
4415 messages, Last post on Dec 03, 2009 at 10:32 PM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: erics6 (Sep 04, 2007 8:55 pm) LOL, just goes to show you, free advice is worth every penny you pay! 
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Replying to: threeifbyair (Sep 04, 2007 8:56 am) http://www.mass.gov/rmv/faq/registration.htm#16 As for your agent not working - your insurance company might. Try calling them direct to see if they are available on the weekend. As for the MA insurance program - I'm looking forward to real competition because I'm an experienced, suburban driver with an excellent driving record and credit history. I pity those without the above because it'll be just like the last time they tried competition - rates rose 3-400% overnight. I remember my Dad's 73 Vega costing over $1K to insure because we lived in the city. The car wasn't worth $3K brand new!! |
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Replying to: threeifbyair (Sep 04, 2007 8:56 am) It has been 12 years since I sold my business and I'm still honored to get a 'phone call from a former client/friend who has a need to get some advice. My wife, the pharmacist, often receives professional calls as well. We are happy to retire where we worked as it is my intention to dance with the people who paid for the band.  
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| I had progressive insurance when I got in an accident due to a DUI. I am not sure if they are going to cover me now as obviously, the accident was considered my fault and all, and I now have a DUI on my record. My question for everyone is this: now that I have a DUI on my record, what type of repercussions are there going to be from the DUI and does anyone have any experience with insurance after a DUI and insurance afterwards? I have stopped drinking, praise God, but they are not going to care about anything but my driving history; I know this, but I want to know who a reputable company is (not Allstate or Nationwide as they are scamartists!) that may cover me for a low amount of money, or the lowest available with the record I now have. Thank you in advance for anyones help! | |
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Replying to: jickybob (Sep 06, 2007 6:57 pm) IF it were up to me..any DUI driver wouldn't be allowed to drive again. It's public transportation for life! Hopefully you didn't kill anyone or injure anyone,other than yourself. US sober drivers are the ones who suffer, some for life, because you had to drive drunk! Everyone 'finds God' in prison as well...then WE are suppose to forgive them for murder or rape. BUT since you asked a question politely, the basic answer is...every insurance company will look at your entire record. They will see IF you have any other accidents or DUI's, your age of course, male or female, all the standard stuff, and if they take you as a customer, they will base it on your entire record, not just that 1 event. But it will be higher,usually for a period of time,1 or more years. Try the major companies, State Farm, Geico, etc...but you may end up with a 'mom and pop' insurance company,if the big guys find your record to dangerous. Can you tell I have no compassion for drunks?! 'Recovering' or not. 
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Replying to: jickybob (Sep 06, 2007 6:57 pm) tidester, host SUVs and Smart Shopper |
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Replying to: jickybob (Sep 06, 2007 6:57 pm) You got behind the wheel of a 3,000+ pound chunk of steel capable of exceeding 100 miles per hour while drunk. Not only did you drive while drunk but you caused an accident while unfit to operate a motor vehicle. Hopefully your foolish actions did not hurt or kill anyone. So now you are going to have to pay for it, plain and simple. It's called consequences for your actions, you clearly learned nothing from your experience. No offense, a drunk killed my Fiancee so I don't have any sympathy. Pay up and deal with it. |
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Replying to: jickybob (Sep 06, 2007 6:57 pm) Alkie's do not have excellent credit ratings, thus you will pay more than you can afford to based on your driving record. If you believe this was a one shot encounter, you're in denial and we all hope you stop driving whether you find very expensive insurance or not. Believe it or not, but taking taxis over a period of the next five years will be a lot more economical than buying the most expensive Liability insurance. Public transporation, if they allow you to board, is your future method of travel. Your question should not be the cost of insurance, but should I continue to inflict my driving on others. Just stay off the road. 
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able to stop drinking, so at least your future does have hope... Sorry, but I am in agreement with the previous posters, including the most stringent posters, so I will not repeat what they said, except that finding your Maker has no meaning, it is up to you to stop drinking, and you did... While you will pay thru the nose for insurance and other things, one thing you might try is the various rehab centers, both medical and run by the state (those DUI defensive courses)...AA is good, I am sure, but maybe rehab programs with monitoring might add something to your improvement... I do not know which ins co may be lenient with you, but going thru the rehab may allow your premiums to drop a few years in the future instead of MANY years in the future... I would have posted like the others, but they have said what needed to be said...DUI is TOTALLY under our control, and few people have any sympathy when you voluntarily and intentionally place all of our lives at risk instead of renting a taxi or get a friend to drive you home... Nuff said... |
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Replying to: jickybob (Sep 06, 2007 6:57 pm) I won't repeat what the others have said as they've said it better than I could. But you came here asking ins advice. The only experience I have with DUI is from my brothers, which happened years ago and in NY state. The laws are tougher now and we all know each state is different. Expect to pay astronomical rates, even for the minimal coverage. Drive a beater that doesn't need comp or collision. Sometimes it can take your current ins co a year or so to run your record but since you had an accident, Progressive already knows. Stay with them until they cancel you as they are one of the more "Progressive" companies. They might just jack up your rates and keep you. |
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