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How Can DWI And DUI Laws In Pennsylvania Affect Your Auto Insurance In Pennsylvania?

As per the statistics recorded by the Insurance Information Institute in US, an alcohol associated traffic fatality takes place every 48 minutes. This is a serious situation which has prompted all governing states in the country to make strict legislation amendments in order to lessen the terrible consequences. Apart from the danger of killing yourself as well others, an offense of drunk driving is also associated with serious penalties that can be enacted by your car insurance company. There are no exceptions to this rule when it comes to auto insurance in Pennsylvania. That is why it is crucial for you to look for Pennsylvania cheap car insurance companies who will be in a position to offer you with a better and affordable deal in the first place.

Pennsylvania car insurance companies check their prospective client’s motor vehicle record whenever an application for a fresh policy is made. This checking is also mandatorily done every three years for all their customers. In certain instances, it can be possible that any type of motor vehicle ticket, DUI or accidents have never been entered in official motor vehicle records. Yet, if your car insurance agent discovers a DUI allegation, you will be classified as a ‘high risk driver’ in their records and accordingly your rates will be reviewed. In such cases, it is advisable to shop around for agents offering cheap car insurance in PA because these rates vary considerably among different auto insurers.

Instead of a rate hike if you are faced with a policy cancellation or a non-renewable notice, you will have to face a bigger challenge particularly if you have been enjoying a preferred rate class. In such a case, you will be forced to search for new auto insurance in Pennsylvania with the added pressure of having a cancellation record plus a DUI allegation.

Another important thing to remember is DUI laws as well as car insurance coverage policies differ from state to state. While most states request DUI convicts to obtain the SR-22 coverage from their auto insurance, this is not a mandatory requirement for auto insurance in Pennsylvania. The SR-22 is a form that helps DMV in establishing your liability insurance and subsequent removal of your license suspension.

If you have managed to get a DUI charge amended or reduced as a result of a plea bargain or if you have received only a limited time period license suspension, it very unlikely that your auto insurance company will be able to discover about your offense. However, don’t ignore the possibility that in the case of your insurance company missing out on such offenses, the company still have the power to increase your rates if a DUI charge discovery is made within a few years of your policy.

Interested in finding out more about how to get the best deal of auto insurance in Pennsylvania? Just drop your zip and we shall provide you with limitless opportunities and bargain quotes from the cheapest car insurance in PA. Pennsylvania DUI laws are specific so take the time to shop around before you settle for the best auto insurance.