Drunk Driving cuam tshuam li cas Auto Insurance Rate
Txheem
- DWI, OUI, DUI, DWAI, OVI: lawv txhais li cas thiab lawv txawv li cas
- Tshem tawm lossis tshem tawm daim ntawv tsav tsheb
- Tus nqi qaug cawv npaum li cas
- Drunk Driving cuam tshuam li cas Insurance
- Kev haus cawv tsav tsheb cov nqi pov hwm los ntawm lub xeev
- Yuav ua li cas thiaj tau txais kev tuav pov hwm DUI pheej yig
- DUI nyob ntawm koj daim ntawv tsav tsheb ntev npaum li cas?
- Ntev npaum li cas kev tsav tsheb qaug cawv cuam tshuam rau kev tuav pov hwm tsheb
- Kev tuav pov hwm tsheb tom qab DUI
- Txhua yam hais txog SR-22
- Tsis yog-Owner's Insurance SR-22
Cov neeg tsav tsheb ntes tau tsav tsheb nyob rau hauv cawv los yog yeeb tshuaj ntsib ntau qhov tshwm sim. Cov txiaj ntsig no txawv nyob ntawm lub xeev uas tau foob, tab sis yuav luag ib txwm suav nrog kev nplua, ncua koj daim ntawv tsav tsheb thiab kev nce nqi hauv kev tuav pov hwm tsheb, nrog rau ntau xyoo ntawm koj cov ntaub ntawv tsav tsheb. Txawm li cas los xij, muaj ntau txoj hauv kev los txo qhov cuam tshuam ntawm kev qaug cawv tsav tsheb rau ntawm tus nqi koj them rau kev tuav pov hwm tsheb.
DWI, OUI, DUI, DWAI, OVI: lawv txhais li cas thiab lawv txawv li cas
Muaj ntau cov ntsiab lus cuam tshuam nrog kev tsav tsheb tom qab siv cov tshuaj tswj tau. Cov ntsiab lus xws li kev tsav tsheb hauv qab lub zog (DUI), kev tsav tsheb hauv qab cawv (DWI), lossis kev tsav tsheb hauv qab (OUI) feem ntau suav nrog kev tsav tsheb thaum qaug lossis qaug tshuaj, tab sis muaj lub ntsiab lus sib txawv me ntsis hauv ntau lub xeev.
Hauv qee lub xeev, kev tsav tsheb qaug cawv tsim nyog yog kev qaug cawv, tab sis kev ua txhaum ntawm cov yeeb tshuaj xas lossis lwm yam tshuaj yog suav tias yog kev qaug cawv. Qee lub xeev txhais DUI thiab DWI raws li kev ua txhaum cai cais, qhov twg DUI yog tus nqi qis dua DWI.
Rau lub hom phiaj ntawm tsab xov xwm no, DUI yuav raug siv los ua lub ntsiab lus dav dav rau DWI, OVI, thiab OUI.
Tshem tawm lossis tshem tawm daim ntawv tsav tsheb
Kev ncua ntawm daim ntawv tsav tsheb yuav luag txhua zaus nrog kev txiav txim siab rau kev qaug cawv. Lub xeev txoj cai sib txawv ntawm qhov kev ncua ntev npaum li cas, tab sis feem ntau nws nyob nruab nrab ntawm peb thiab rau lub hlis.
Qhov no tuaj yeem tshwm sim nyob rau hauv ob txoj kev: lub xeev lub koom haum tsheb tsav tsheb ncua koj daim ntawv tso cai lossis ncua koj daim ntawv tso cai.
Kev ua tsis tiav ntawm kev kuaj ntshav breathalyser lossis kuaj ntshav thaum lub sijhawm nres tsheb yuav ua rau muaj kev ncua tsis siv neeg ntawm koj daim ntawv tsav tsheb, tsis hais qhov kev txiav txim siab hauv koj li kev tsav tsheb qaug cawv. Yog li, ib yam li txhua qhov nres, nws yog qhov zoo tshaj los ua raws li tus tub ceev xwm hais.
Nws nyob ntawm lub xeev txoj cai lij choj thiab cov xwm txheej ntawm tus kheej, tab sis thawj zaug cov neeg tsav tsheb qaug cawv tuaj yeem tau txais lawv daim ntawv tso cai rov qab hauv tsawg li 90 hnub. Qee lub sij hawm tus kws txiav txim txiav txim siab txwv, xws li kev muaj peev xwm taug kev mus thiab los ntawm kev ua haujlwm tsuas yog rau tus neeg ua txhaum cai uas ua txhaum txoj cai tsheb. Rov ua dua cov neeg ua txhaum cai yuav raug txim hnyav dua, xws li ncua kev tso cai rau ib xyoos lossis ntau dua, lossis tag nrho tshem tawm daim ntawv tso cai mus tas li.
Tus nqi qaug cawv npaum li cas
Ntxiv nrog rau qhov txaus ntshai heev, kev qaug cawv los yog qaug cawv tsav tsheb kuj tseem kim heev. Kev txiav txim siab tsav tsheb qaug cawv yuav raug nplua, nplua, thiab cov nqi raug cai uas koj yuav tau them tawm ntawm koj lub hnab ris. "Hauv Ohio, thawj qhov kev ua txhaum cai rau kev tsav tsheb hauv qab cawv tuaj yeem raug nqi $ 7,000 lossis ntau dua," hais tias Michael E. Cicero, tus kws lij choj tsav tsheb rau Nicola, Gudbranson & Cooper hauv Cleveland. Cicero taw qhia txog ntau tus nqi uas cov neeg tsav tsheb hauv Ohio tuaj yeem xav tau yog tias lawv raug pom tias ua txhaum ntawm kev qaug cawv:
- Fine los ntawm 500 mus rau 1,000 las
- Tus nqi raug cai los ntawm 120 txog 400 las.
- Lub sijhawm sim, $ 250
- Kev pab cuam tsav tsheb hloov chaw kaw, $300 txog $400.
- Tus nqi raug cai los ntawm 1,000 txog 5,000 las.
Drunk Driving cuam tshuam li cas Insurance
Ntxiv nrog rau kev nplua thiab nqi, koj cov nqi pov hwm tsheb yuav nce ntxiv tom qab tsav tsheb qaug cawv. Lawv nce ntau npaum li cas nyob ntawm qhov chaw koj nyob, tab sis cov neeg tsav tsheb raug txim ntawm kev qaug cawv tsav tsheb yuav tsum cia siab tias lawv cov nqi yuav nce ob npaug.
Penny Gusner, tus kws tshuaj xyuas cov neeg siv khoom ntawm Insure.com, hais tias: "Kev haus cawv ib leeg yuav nce koj cov nqi pov hwm tsheb los ntawm 40 txog 200 feem pua. Hauv North Carolina, qhov ntawd yog 300 feem pua ntau dua. "
Kev haus cawv tsav tsheb cov nqi pov hwm los ntawm lub xeev
Cov kev cai lij choj ntawm lub xeev uas koj nyob muaj kev cuam tshuam loj rau cov nqi tuav pov hwm tsheb, thiab kev nce koj tus nqi rau kev qaug cawv tsav tsheb tsis txawv. Txawm hais tias kev qaug cawv tsis tau tshwm sim hauv lub xeev koj nyob, nws yuav ua raws koj tsev. Cov lus no qhia tau hais tias qhov nruab nrab nce hauv kev tuav pov hwm tsheb pib tom qab DUI hauv txhua lub xeev:
| Qhov nruab nrab nce hauv kev tuav pov hwm tsheb pib tom qab haus cawv tsav tsheb | ||||
|---|---|---|---|---|
| cheeb tsam | Tus nqi nruab nrab txhua xyoo | Haus cawv tsav tsheb bet | Tus nqi ntxiv | % nce |
| AK | $1,188 | $1,771 | $583 | 49% |
| AL | $1,217 | $2,029 | $812 | 67% |
| AR | $1,277 | $2,087 | $809 | 63% |
| AZ | $1,009 | $2,532 | $1,523 | 151% |
| CA | $1,461 | $3,765 | $2,304 | 158% |
| CO | $1,095 | $1,660 | $565 | 52% |
| CT | $1,597 | $2,592 | $995 | 62% |
| DC | $1,628 | $2,406 | $778 | 48% |
| DE | $1,538 | $3,113 | $1,574 | 102% |
| FL | $1,463 | $2,739 | $1,276 | 87% |
| GA | $1,210 | $1,972 | $762 | 63% |
| HI | $1,104 | $3,112 | $2,008 | 182% |
| IA | $939 | $1,345 | $406 | 43% |
| ID | $822 | $1,279 | $457 | 56% |
| IL | $990 | $1,570 | $580 | 59% |
| IN | $950 | $1,651 | $701 | 74% |
| KS | $1,141 | $1,816 | $675 | 59% |
| KY | $1,177 | $2,176 | $999 | 85% |
| LA | $1,645 | $2,488 | $843 | 51% |
| MA | $1,469 | $2,629 | $1,160 | 79% |
| MD | $1,260 | $1,411 | $151 | 12% |
| ME | $758 | $1,386 | $628 | 83% |
| MI | $2,297 | $6,337 | $4,040 | 176% |
| MN | $1,270 | $2,584 | $1,315 | 104% |
| MO | $1,039 | $1,550 | $511 | 49% |
| MS | $1,218 | $1,913 | $695 | 57% |
| MT | $1,321 | $2,249 | $927 | 70% |
| NC | $836 | $3,206 | $2,370 | 284% |
| ND | $1,365 | $2,143 | $778 | 57% |
| NE | $1,035 | $1,759 | $724 | 70% |
| NH | $865 | $1,776 | $911 | 105% |
| NJ | $1,348 | $2,499 | $1,151 | 85% |
| NM | $1,125 | $ 1,787 | $661 | 59% |
| NV | $1,113 | $1,696 | $582 | 52% |
| NY | $1,336 | $2,144 | $808 | 60% |
| OH | $763 | $1,165 | $402 | 53% |
| OK | $1,405 | $2,461 | $1,056 | 75% |
| OR | $1,110 | $1,737 | $627 | 56% |
| PA | $1,252 | $1,968 | $717 | 57% |
| RI | $2,117 | $3,502 | $1,385 | 65% |
| SC | $1,055 | $1,566 | $511 | 48% |
| SD | $1,080 | $1,520 | $439 | 41% |
| TN | $1,256 | $2,193 | $937 | 75% |
| TX | $1,416 | $2,267 | $851 | 60% |
| UT | $935 | $1,472 | $537 | 57% |
| VA | $849 | $1,415 | $566 | 67% |
| VT | $900 | $1,392 | $492 | 55% |
| WA | $1,075 | $1,740 | $666 | 62% |
| WI | $863 | $1,417 | $554 | 64% |
| WV | $1,534 | $2,523 | $988 | 64% |
| WY | $1,237 | $1,945 | $708 | 57% |
| United States | $1,215 | $2,143 | $928 | 76% |
| Tag nrho cov ntaub ntawv muab los ntawm http://www.insurance.com | ||||
Yuav ua li cas thiaj tau txais kev tuav pov hwm DUI pheej yig
Nrhiav rau tus nqi qis tsheb pov hwm tom qab kev txiav txim siab tsav tsheb qaug cawv? Hmoov tsis zoo rau koj. Nws yog inevitable tias koj cov nqi yuav nce, tab sis yog tias koj mus ncig koj yuav pom qhov kev xaiv kim dua. Txhua lub tuam txhab tuav pov hwm suav nrog kev pheej hmoo sib txawv: qee tus tuaj yeem xaiv tawm ntawm cov neeg tuav pov hwm txoj cai raug txim ntawm kev qaug cawv tsav tsheb, thaum lwm tus muaj cov phiaj xwm tshwj xeeb rau cov neeg ua txhaum cai qaug cawv. Kev tshawb fawb thiab kev mus ncig ua si yog txoj hauv kev zoo tshaj plaws kom paub tseeb tias koj tau them tus nqi zoo tshaj rau kev tuav pov hwm tsheb. Qhov no tuaj yeem ua qhov sib txawv ntawm ntau txhiab daus las hauv ib xyoos.
DUI nyob ntawm koj daim ntawv tsav tsheb ntev npaum li cas?
Zoo li kev nplua koj yuav ntsib, ntev npaum li cas qhov kev txiav txim siab tsav tsheb qaug cawv tseem nyob hauv koj keeb kwm tsav tsheb sib txawv ntawm lub xeev mus rau ib lub xeev. Raws li txoj cai dav dav, nws nyob ntawm koj daim ntawv tsav tsheb tsawg kawg yog tsib xyoos, tab sis hauv ntau lub xeev nws ntev dua. Hauv New York thiab California, qaug cawv tsav tsheb nyob hauv koj cov ntaub ntawv tau 10 xyoo, thiab hauv Iowa txawm ntev dua: 12 xyoo.
Ntev npaum li cas kev tsav tsheb qaug cawv cuam tshuam rau kev tuav pov hwm tsheb
Ib zaug ntxiv, lub xeev uas qhov kev txiav txim siab tshwm sim cuam tshuam rau ntev npaum li cas koj cov nqi pov hwm tsheb yuav raug cuam tshuam. Tsuav nws nyob hauv koj txoj kev tsav tsheb, nws yuav nce koj cov nqi. Tus yuam sij kom maj mam txo cov nqi mus rau theem ib txwm yog kom muaj keeb kwm kev tsav tsheb huv. "Koj tuaj yeem rov muab koj daim ntawv tsav tsheb rov qab los qhia tias koj tau kawm los ntawm koj qhov kev ua yuam kev thiab yog tus tsav tsheb lub luag haujlwm," Gusner hais. "Lub sijhawm dhau mus, koj cov nqi yuav pib poob. Tej zaum nws yuav siv peb lossis tsib lossis xya xyoo, tab sis koj yuav mus txog ntawd. " Thaum DUI raug tshem tawm tas mus li ntawm koj cov ntaub ntawv, khw thiab sib piv cov nqi pov hwm kom pom tias koj tuaj yeem tau txais tus nqi zoo dua los ntawm lwm tus neeg muab kev pabcuam.
Kev tuav pov hwm tsheb tom qab DUI
Nws yog ib qho tsim nyog los tswj hwm kev tuav pov hwm tsheb txawm tias koj daim ntawv tso cai raug tshem tawm tom qab kev txiav txim siab tsav tsheb qaug cawv. Qhov no yog vim tias cov neeg tuav pov hwm xav txog kev them nyiaj tas mus li thaum txiav txim siab koj cov nqi. Yog tias koj tswj hwm qhov kev pab cuam tas mus li yam tsis muaj qhov khoob, koj yuav tau them tus nqi qis dua, yog li nws yog qhov ntse kom them nyiaj txawm tias koj tsav tsis tau raws cai. Yog tias koj daim ntawv tso cai raug ncua rau ib xyoos thiab koj tsis them nyiaj pov hwm lub sijhawm ntawd, koj cov ntawv pov hwm yuav yog hnub qub thaum koj pib yuav ntawv pov hwm dua.
"Yog tias koj muaj lub tsheb thiab cov neeg yuav tsav koj, nug seb koj lub tuam txhab pov hwm puas yuav tso cai rau koj ntxiv ib tus neeg yuav tsav koj ua tus tsav tsheb loj, tsis suav koj. Txoj cai tseem yuav nyob hauv koj lub npe, yog li technically tsis muaj qhov sib txawv hauv kev pab cuam, "Gusner hais.
Txawm li cas los xij, tsuas yog qee tus neeg tuav pov hwm yuav tso cai rau qhov no, yog li nws yuav siv qee qhov mob siab rau nrhiav tus neeg uas txaus siab ua raws li koj qhov kev thov.
Txhua yam hais txog SR-22
Cov neeg tsav tsheb raug txim ntawm kev qaug cawv, tsav tsheb tsis zoo, lossis tsav tsheb tsis muaj ntawv pov hwm feem ntau raug txiav txim los ntawm lub tsev hais plaub kom nqa cov cai tuav pov hwm uas tshaj lub xeev qhov kev xav tau yam tsawg kawg nkaus. Cov neeg tsav tsheb no yuav tsum tau lees paub cov kev pov hwm no ua ntej lawv daim ntawv tso cai tuaj yeem rov qab tau, uas tau ua tiav nrog SR-22.
SR-22 yog ib daim ntawv uas koj lub tuam txhab tuav pov hwm yuav tsum xa mus rau Lub Xeev Lub Tsev Haujlwm Saib Xyuas Kev Tsav Tsheb los ua pov thawj tias koj muaj kev pov hwm txaus. Yog tias koj tsis tau them nyiaj, thim koj txoj cai, lossis txwv tsis pub koj qhov kev pab them nqi tas sijhawm, SR-22 yuav raug tshem tawm thiab koj daim ntawv tso cai yuav raug ncua ntxiv.
"Yog tias xav tau SR-22, nco ntsoov qhia koj tus neeg tuav pov hwm paub tias tsis yog txhua tus neeg tuav pov hwm ua daim ntawv," Gusner hais.
Tsis yog-Owner's Insurance SR-22
SR-22 kev tuav pov hwm rau cov tsis yog tswv tuaj yeem yog txoj hauv kev ntse los khaws kev pab yog tias koj tsis muaj lub tsheb lawm. Cov kev cai no xav kom koj tsis tas yuav nkag mus rau hauv lub tsheb, tab sis tsuas yog muaj kev lav phib xaub, yog li hom kev pov hwm no feem ntau pheej yig dua li txoj cai lij choj.
Kab lus no tau hloov kho nrog kev pom zoo ntawm carinsurance.com: http://www.carinsurance.com/how-do-points-affect-insurance-rates.aspx
