Reader’s Question:

My husband has already committed traffic violations here in Jacksonville, Florida because of driving under the influence of prohibited alcohol. How will his violations matter when we subscribe to an automobile insurance?

Rachel

Jacksonville, FL

The driving record of an applicant for insurance is one of the most considerations of auto insurance companies. Hence, your husband’s violations have grave effects for one, on the automobile insurance you can acquire. Most probably, your husband will be given drunk driver insurance given that he already committed several times the same traffic violation, which you relate as driving under the influence of alcohol. Drunk driver insurance is an expensive automobile insurance granted to insurance applicants that are high-risk - meaning these potential insurance clients have already committed several traffic infractions.

Insurance companies are using various point systems to trace their clients’ driving record. Most of these companies that are based in Jacksonville, Florida adopt the pointing system devised by the state’s motor vehicles department. This pointing system, because it adds up corresponding points to particular traffic infractions committed by respective policyholders, indicates that a higher number of points an insurance client has the more traffic rules s/he has violated. When your husband is already applying for a vehicle insurance policy, the insurance company has the right to examine his driving record to: first, verify if he is qualified based on the company’s measure of insurability; and second, which is related to your husband’s case, assess his risk potential. The latter will determine the cost of the policy that will be issued for your husband.

Tags: drunk driving insurance, DUI