How Drink Driving Can Affect Your Auto Insurance

By: Eric Token

According to the campaign against drink driving, women are more aware of the consequences of the offense as compared to men. Nevertheless, it is more important to consider the effects of having a driving record to your car insurance. It is very important to keep away from the factors that would dramatically increase your insurance premium, especially if you are trying to lower the expenses for protecting your automobile.

A recent survey about customer awareness of the harmful effects of driving under the influence of alcohol indicates that 6 out of 10 women are conscious of their level of alcohol when driving as compared to 4 out of 10 men. More women feel safe to drive if they have not drunk alcohol at all. Another interesting fact about drink driving is that about 33 percent of women would consider driving after drinking one to two units of alcohol. On the contrary, about 50 percent of men would consider hitting the road even with consuming one to two units of alcohol. Moreover, two percent of women agree to drive after two or more units as compared to 12 percent of male drivers.

With the numerous records of drink driving cases in the UK, you can easily see the significant effects this driving offense. Drinking and driving may seem harmless after a late night party but the consequences of being involved in an accident or being caught by a traffic officer can be devastating. The reaction of your body and its ability to respond properly to unexpected situations would be significantly reduced, which makes you more prone to dangerous road incidents. Even though you have rested over the night to drive home the next morning, you may not be lucky enough to keep away from the keen eyes of traffic officers.

You may get out of a drink driving accident without incurring serious damage to yourself or to other people involved, but you may find the consequences on your driving record and it may affect your chances of getting quality, cheap insurance quotes. You can expect the implications of your actions to your finances to be very unfavourable since drivers caught driving under the influence are required to pay large sums in penalties. The long-term effects of a drink-driving offense would definitely be a hindrance for your future insurance plans.

Getting involved in a drink driving incident would possibly result in a driving ban, lawsuit from the affected parties and a large amount of fines. Aside from these consequences, the insurance provider can also deny your application in case the accidents are too severe to consider. The insurance companies assessing your premiums may dramatically increase the premiums by up to 74%, just because of your drink driving record. Therefore, make sure that you are aware of these consequences in order to get reasonable deals for your vehicle's insurance.

Fortunately, you may still find an insurance provider in the UK that can offer you a quote, even if you have a driving record. However, you may expect a little price increase to cover for the risk involved with having a drink-driving offense.

Article Source: http://www.newarticledaily.com

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