Informing insurance co about teen DWI

delanyjake

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?

Fishman · Posted: Sat May 03, 2008 1:21 pm Post subject:

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.

Insurance Maze · Posted: Sat May 03, 2008 1:52 pm Post subject:

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

sdchargersfan · Posted: Sun May 04, 2008 1:27 am Post subject: insurance

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.

Guest · Posted: Sun May 04, 2008 2:01 am Post subject: reply to SD charger fan

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.

sdchargersfan · Posted: Sun May 04, 2008 2:09 am Post subject: insurance

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!!!!

Lori · Posted: Sun May 04, 2008 11:30 am Post subject:

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