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 Posted: Sat May 03, 2008 1:06 pm Post subject: Informing insurance co about teen DWI |
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| Live on border between 2 states. Teen daughter got a dwi in the state drivers license was not issued in. Received conviction of dwi and loss of privilege to drive in that state. As of now, (70 plus days later) home state has not suspended her license, so she still drives to school (and that is the only place she drives) I was going to wait until her license was suspended to advise the insurance co to minimize the impact of the cost the insurance that will certainly go up. Is this legal? How would an insurance company see this? |
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delanyjake
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| Posted: Sat May 03, 2008 1:21 pm Post subject: |
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I would take a don't ask, don't tell approach to this.
I'm amazed at how many clients call to "confess" moving violations.
The company has the right and ability to discover these things and I've never seen a policy with a clause requiring the insured to notify the company of moving violations. Only of accidents. Read your policy, see if it says anywhere that you must tell the company about moving violations, if not, wait until they find it. |
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Fishman
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| Posted: Sat May 03, 2008 1:52 pm Post subject: |
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I agree, first read your insurance policy.
Most insurance companies run MVR's on a regular basis and if the incident is on her driving record, they will find it.
Maze
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InsuranceMaze
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| Posted: Sun May 04, 2008 1:27 am Post subject: insurance |
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| k...I'm NOT an insurance expert, by any means!!!!! However.....how could she be convicted for a DUI, in one state ( AND lost her license there) and STILL have her license in ANOTHER state, with no record of a DUI?? Don't states notify OTHER states when this happens? She CONTINUES to drive after a DUI conviction? She she have NO compassion for OTHER people on the road? How many times HAS she driven drunk and not gotten got? being a mother ( with a wonderful 15 year old boy) I tend NOT to have sympathy, for 'these' people. |
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sdchargersfan
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| Posted: Sun May 04, 2008 2:01 am Post subject: reply to SD charger fan |
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I did not post a question to this site to be judged by unknowns who have nothing better to do.
My teen daughter did make a gross error in judgment to a)Drink in the first place, and 2) Decide to drive. We are glad that she did get caught as it is an obvious lesson that she had to learn the hard way and she is paying the price, both financially and socially as she was allowed to drive only to school until her license got suspended.
"These people", as the charger fan so pompously described can be intelligent and conscientious individuals who happen to do the wrong thing. Luckily for us all, she got caught. My teen daughter, by the way, will be going in the US Military under an ROTC nursing scholarship next fall.
To the legality of it all...To my knowledge, a state cannot make one surrender their license if issued by another state, for whatever the moving violation. All they can do is suspend the driving privileges in their state. What normally happens, is that the states' communicate, and the issuing state will suspend the license under "reciprocity" laws. Until they do so, one can drive in any state, except the state the offense occurred in.
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| Posted: Sun May 04, 2008 2:09 am Post subject: insurance |
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| I AM in the Army. A Sargeant in the Army, to be exact!! If the DWI EVER happened on a military base, the 'conviction' ( to be nice about it) would NOT be pretty....let me tell you. I have NO sympthy for those who CHOOSE to drive drunk. ALSO....on this forum, we give our OWN opionions...........I believe I made MINE quite clear. Drunk drivers have NO place on the road. Do you know how many are killed by drunk drivers???? A neighbor's son was killed by a drunk driver...he was ONLY 17. from what I gather of the accident, the drunk driver remembers NOTHING!! As I said, i have NOT AN OUNCE of sympathy. "These people" ( I WILL repeat it again) need to STAY OFF THE ROAD!!!! |
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sdchargersfan
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| Posted: Sun May 04, 2008 11:30 am Post subject: |
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I would think (maybe) it is... | Quote: | | How would an insurance company see this? |
Not real sure which part of this you mean...Of course when they find out about the DUI (even if your state doesn't suspend her) then her rates are going thru the roof, but I'm sure you expected this...If she is pulled over in your home state and they run her license what will that show? I honestly don't know...but would think it would show she was suspended in a neighboring state...You know if I were you I'd probably call your states DMV, and ask them ...would hate to see the girl get pulled over coming home from school, and then go to jail for driving on a suspended...re: the ins...personally if it were me I would also 'tick a lock'...unless my policy said otherwise..In her sentencing she was not required to carry an SR22?
Re: the little argument here....EVERYONE knows that driving drunk is a stupid choice....EVERYONE also knows that teenagers make stupid mistakes...personally I see this as a terrific positive (as a mama)....she was caught and no one got hurt....this mistake and life lesson could've saved many lives, hers included...(getting away with it, makes us more prone to continue until eventually caught, maybe in an unfortunate accident)....I certainly made many many terrible decisions especially as a teen...and would've hated to be pulled over on any given weekend night frankly (also this was the 70's believe it or not they basically just made you pour out the beer then put you right back behind the wheel and told you to go home....seriously...happen more than once only I wasn't driving).....now, when a young person doesn't learn from their mistakes and continues or a parent aware of the behavior allows it to continue...different story, and not what I'm reading into this one at all....
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Lori
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