For drivers who have been arrested while driving under the influence of alcohol, the task of finding an auto insurance provider willing to provide coverage can be a daunting task. The good news is that there are providers who are willing to extend that coverage. By taking the time to explore the scope of the coverage that is offered, the individual can once again enjoy full coverage and eventually overcome his or her unfortunate mistake.
How Does DWI Coverage Work?
The scope of benefits associated with DWI insurance in Lacey is very much like the benefits found in any other auto insurance policy. What is different is the cost of the coverage. An individual with a driving record that includes an arrest for driving under the influence is considered to be a greater risk than drivers who do not have similar convictions. This means that the insurance provider is taking on more of a risk by extending the coverage. In order to balance that risk level, the provider will charge a higher premium.
In some cases, the extent of coverage associated with certain events may be limited. For example, there may be a lower limit on the collision benefits for the whole year, or even for single events. This is important to know, since the driver will be responsible for covering any expenses that are above and beyond the amount of damage covered in the policy terms.
Clauses Related to Further DWI Charges
It is not unusual for DWI insurance policies to also include provisions that have to do with any further arrests for driving under the influence. Since the insured party is already considered to be a greater risk of the insurer, repeated offenses will provide the grounds for canceling the policy. This type of measure is intended to protect the interests of the insurance provider by motivating the driver to avoid getting behind the wheel after enjoying one to many drinks. For drivers who find themselves in need of coverage after a conviction for driving under the influence, contacting the SAV-ON Insurance Agencies Lacey is an excellent idea.
Their plans include coverage for people who need coverage but are having trouble finding adequate benefits elsewhere. Best of all, the cost of the plans will be competitive with other high-risk options available in the area. Visit www.sav-on.com for more information.
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