by Guest » Tue Jul 13, 2010 03:22 am
In December 2007, I was arrested for a DUI. I was sentenced the following July, and the careless driving was dropped as part of the plea bargain. I'm in Montana.
Anyways, State Farm has yet not noticed, or has yet to raise my rates (in fact they have gone down slightly). I know the standard wait time for insurance purposes in 3 years; first question, is it 3 years from my arrest or from the court hearing?
Now the sticky situation. My 94 Camaro Z28 recently broke down again, and it is going to cost around $1,000 to fix. It is no longer financially viable to keep fixing her up, as bigger problems loom with the engine that will need to be addressed in the not so distance future as well. So I am stuck between a rock and a hard place; if I get a new car, State Farm is sure to find out about the DUI and will either raise my rates to exhobort levels, or just drop me completely. If I put money back into my Camaro, I'm basically throwing money at a short-term solution, and there is no guarantee it won't break down in a much more expensive fashion before year's end.
How do I go about finding out how much insurance would be for me with my DUI on record without alerting State Farm? I believe I am still under my parents insurance (I'm 27, don't judge me), so that may be part of the reason they haven't noticed?
Would it be possible for my Dad to purchase insurance on a new vehicle for me?
I can easily afford a new car around $10,000 or so, but I certainly couldn't afford to commit to a $180 a month car payment and then have my insurance quadruple.
Any suggestions?
Anyways, State Farm has yet not noticed, or has yet to raise my rates (in fact they have gone down slightly). I know the standard wait time for insurance purposes in 3 years; first question, is it 3 years from my arrest or from the court hearing?
Now the sticky situation. My 94 Camaro Z28 recently broke down again, and it is going to cost around $1,000 to fix. It is no longer financially viable to keep fixing her up, as bigger problems loom with the engine that will need to be addressed in the not so distance future as well. So I am stuck between a rock and a hard place; if I get a new car, State Farm is sure to find out about the DUI and will either raise my rates to exhobort levels, or just drop me completely. If I put money back into my Camaro, I'm basically throwing money at a short-term solution, and there is no guarantee it won't break down in a much more expensive fashion before year's end.
How do I go about finding out how much insurance would be for me with my DUI on record without alerting State Farm? I believe I am still under my parents insurance (I'm 27, don't judge me), so that may be part of the reason they haven't noticed?
Would it be possible for my Dad to purchase insurance on a new vehicle for me?
I can easily afford a new car around $10,000 or so, but I certainly couldn't afford to commit to a $180 a month car payment and then have my insurance quadruple.
Any suggestions?
Posted: Thu Aug 05, 2010 03:01 am Post Subject:
.
.
Like I said....
Max, Max, Max, Max...
Its obvious you have little understanding of Alcoholism......!
this has nothing to do with alcoholism.
Alcoholism is the core of this whole problem. And anyone that drives drunk and thinks they are not an Alcoholic are in denial because they don't understand Alcoholism. [ and its many levels ]. I don't think laying unconscious in a gutter several times a week is a requirement to be considered an alcoholic. Although driving drunk should at least indicate one has Alcoholic tendencies.
And I find your "apologetic" on behalf of alcoholics unconvincing.
Where the Hell-0 did I apologize for anyone?? ""It's not their fault, " are your words not mine.
Max, Reading your response has me thinking I may have touched a nerve. Sorry, that was not my intention. I've read many of your Posts and feel you are an level headed, thinking, thoughtful, intelligent person. But the amount of conjecture in your response is out of character. ??
DNA research is finding more and more instances of predisposed medical conditions.
Hey.... its late, I'm sleepy, and I hope this response is coherent enough to be read and maybe even understood.
Good Night.
Posted: Thu Aug 05, 2010 07:30 am Post Subject: Driving Under Influence
Driving Under the Influence (DUI) is an offense. If you have been charged with a DUI you should seek legal help at once from DUI lawyer.
Posted: Thu Aug 05, 2010 01:00 pm Post Subject:
FK . . .
You haven't "touched a nerve" at all. My "solution" is one I've kicked around for maybe 25 years or more (ever since they came up with the concept of "asset forfeiture" for drug offenses).
But I think you have a misguided sense of alcoholism.
anyone that drives drunk and thinks they are not an Alcoholic are in denial because they don't understand Alcoholism
One drink does not make an alcoholic. But it could be enough to "intoxicate" a person to the point that their ability to control a motor vehicle is impaired.
if they ever consume alcohol [even once] there lives will be consumed by a craving for it like "you" just can't imagine.
This is your statement that I paraphrased as "It's not their fault". How else would you interpret it? If it is your belief that anyone who consumes an alcoholic beverage is an alcoholic, then it is you, not me, who has a misguided notion of alcoholism. There are cultural, religious, and other ritualistic uses of wine and other "spirits" that go in an entirely opposite direction, and other "studies" have shown that persons raised in those traditions are less likely to become alcoholics (persons who are "addicted" to the use of the drug).
But I did take a quick look at alcoholism and DNA research concerning your previous statement:
DNA research is finding more and more instances of predisposed medical conditions.
Well, a 2004 medical study found that one gene on one chromosome "may" increase one's "risk" of becoming an alcoholic in "some" families. But the lead author of the study conducted at Washington University School of Medicine in St. Louis also stated:
it is important to point out that genetic make-up does not necessarily mean a person is doomed to become an alcoholic.
Which seems to counter your assertion that, based on one's DNA, it is inevitable.
So, I'm sticking to my opinion that in the interests of the broader society, eliminating the major source of one's ability to drive while intoxicated -- their automobile -- is likely to prove one of the better deterrents/solutions to the problem of drunk driving. Getting drunk is a matter of personal choice, driving while intoxicated is a matter about which society has said it disapproves.
If society is serious, it will attach a penalty that makes persons "think twice" about their decision in advance. But to demonstrate its seriousness, society also has to be willing to impose the penalty.
Now, in a related sense, at least as far a taking away one's driving privilege, here's something that perhaps makes less sense than my "proposal" for drunk driving offenders. In California, a person (usually male) who falls behind in his child support payments may, upon submission of a report from the state's Dept of Child Support Services to the DMV, (1) have his driver license suspended by the DMV if a child support payment is late or not made in full, and (2) failure to pay child support in CA can be considered a felony and the offender can be convicted and sentenced to state prison for several years.
Well, we don't do that to drunk drivers in CA until after they've killed someone first.
So, how does license suspension or prison time for the parent help the child whose custodial parent needs the money to provide food, clothing, and shelter for the child? Obviously some parents are deadbeats and need to be dealt with. Others are subject to court orders that cause them to be destitute while attempting to support the child(ren). Maybe DNA is at the root of divorce?
The "sticky situation" of a DUI, is, most assuredly, not a matter of alcoholism, it's a matter of personal responsibility. The latter is something largely missing from American society today. To go back to the OP, the whole discussion began over whether he should disclose a drunk driving conviction to his insurance company, even though they apparently had not found it on his DMV report. That's a matter of personal responsibility. Failure to do so is "concealment," which, according to most insurance codes, occurs when one party fails to inform the other party of material information which he knows and which the other party ought to know.
Posted: Fri Aug 06, 2010 05:37 am Post Subject:
In California, a person (usually male) who falls behind in his child support payments may, upon submission of a report from the state's Dept of Child Support Services to the DMV, (1) have his driver license suspended by the DMV if a child support payment is late or not made in full, and (2) failure to pay child support in CA can be considered a felony and the offender can be convicted and sentenced to state prison for several years.
This is why you people out west can keep California. Lets see. You don't pay, pay all or child support pay late. The state more or less takes your driver's license (you know the means for them to get to work to make money to pay the child support) Now they don't have a car, can't pay the support and get #2 Jail. Great system...they almost set you up perfectly to fail.
I guess the good thing is you don't need a driver's license in jail.
Posted: Fri Aug 06, 2010 04:14 pm Post Subject:
Now they don't have a car, can't pay the support and get #2 Jail. Great system.
That's what the bleeding hearts believe. Throw all those deadbeats in prison, at a cost to the taxpayers of about $70,000 per year for their overcrowded prison space, healthcare, and guards . . . oh, yeah, it's the cost of the prison guards and their pensions alone, that amount to about 60% of the cost of running a California prison.
Posted: Thu Dec 02, 2010 01:42 am Post Subject:
I would refrain from any contact with your insurance company until the 3 years has passed.
I got a DUI, never called the insurance company, paid every bill on time and remained covered. Its been about 4.5 years and they still have not noticed.
Posted: Thu Dec 02, 2010 08:59 pm Post Subject:
How do I go about finding out how much insurance would be for me with my DUI on record without alerting State Farm?
Call them. If you are worried about alerting them, then have someone else call and get a quote.
More importantly, though, is to address the issue of the drinking. Many people who get a DUI don't realize that they are alcoholics and end up getting another DUI and life gets really complicated. Are you still drinking? If so, I would get help for that and don't own a car for your own sake and everyone else's. Stay sober for three years, and then buy insurance with a clean record again.
Good luck to you!
Posted: Fri Dec 03, 2010 05:47 am Post Subject:
Gosh, Dave, you're responding to a post that is 4 months old. Think it's a little too late, don't you?
Posted: Wed Sep 26, 2012 09:29 pm Post Subject: Sr22 ins
I got a duI about almost 3 years ago in January in Tennessee and they said to keep my Sr 22 insurance for 36 months but my insurance got cancelled 3 months before that was up. My question is this going to do anything to my driving record or my ability to get regular insurance in January?
Posted: Wed Sep 26, 2012 09:47 pm Post Subject:
Being cancelled is ALWAYS a problem when it comes to insurance. It has nothing to do with your driving record.
Getting insurance in January?
Why aren't you getting insurance NOW?
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