What Makes a Great Insurance Agent?

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What Makes a Great Insurance Agent?

When you are shopping for any type of insurance, you are going to want the help and advice of someone who understands the insurance business and who is truly interested in helping you protect yourself rather than making the most money. Unfortunately some insurance agents are in the business for their own benefit and will not tell you when you are paying too much or are buying insurance that you simply don't need. I am a former insurance agent, and I have seen the best and worst. This blog is about noticing red flags when it comes to sneaky insurance sales people and about finding the signs of a truly good agent.


How A DUI May Affect Your Car Insurance

Are you a person who drinks and drive sometimes? Perhaps you have done it many times and never got a traffic stop for it. You may even consider yourself a person who has a high tolerance. Drinking and driving is serious, and there are numerous ramifications that you could face if you continue.  The following points will help you to understand what could happen if you get a DUI.

Legal Issues

 Since drinking and driving is illegal if an individual's blood alcohol content is over a certain level, it is wise to say that you may be breaking the law if you drive after even drinking two drinks. This means that you could end up needing to get bonded out of jail, which costs money. You may also end up on probation, have to pay lawyer fees, and face jail time. In some cases, individuals are required to pay restitution. For example, if an individual causes property damage, their car insurance may refuse to cover the damages to the driver being under the influence. This means that the individual who has the property damage could sue in civil court. It is also possible for a judge in the DUI hearing to order restitution to victims.

Insurance Issues

There are a number of factors that can impact insurance rates. Insurance companies may raise your rates after a DUI even if it does not involve an accident. The rates may remain effective for whatever time frame the insurance company decides. If you get additional traffic infractions before the time expires, you may have to pay even more in premiums. Some individuals who have had multiple DUIs may need to get a special type of insurance. They may find it too expensive or impossible to obtain traditional car insurance. However, keep in mind that you can avoid higher premiums by choosing to avoid risky behaviors. Your state may also offer self-defense courses, which may be able to lower your rates over time.

A car insurance company is a good resource to use to understand how much your insurance rates could go up if you continue to drink and drive and get caught. There are other things that could make your rates even higher. For example, an accident while drinking could make your rates higher than a DUI that does not involve a car wreck. some insurance companies may refuse to accept you as a client if you have a recent DUI. If you have more questions, you should contact a company like Allstar Insurance.