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How DUI Laws Affect Your Auto Insurance in New Jersey

DUI related accidents have been a thorn in the flesh of Auto Insurance in New Jersey for many decades. As a result, numerous organizations have come up to educate the masses on the dangers of this particular vice. Many residents of New Jersey have been affected either directly or indirectly by drunk driving. Many have lost their loved ones or have had permanent physical and psychological injuries as a result of DUIs.

cheapcarinsuranceinNewJerseyFor these reasons, Auto Insurance in New Jersey has come up with a way of discouraging drunk driving. The oldest and most common way for it is by increasing the premium rates for convicted offenders. Once you are found guilty of Driving Under the Influence of alcohol or any drug, your auto insurer automatically considers you a high insurance risk. With insurance companies in all fields, the higher the risk the higher the premiums. It then goes without saying that if you were a normal customer and got convicted of a DUI, your auto insurance premiums will be affected. This form of adding a financial penalty to convicted offenders is one way Auto Insurance in New Jersey chooses to fight against this vice. The same principle is applied by most auto insurance firms across the United States.

Auto Insurance in New Jersey has been receiving a considerable amount of help from private organizations in the fight against intoxicated driving. These private organizations have not only been making their impact in New Jersey but also in all other states in the US. One renowned organization is the Mothers Against Drunk Driving; or as it is popularly known MADD. This organization which began in the 1980s’ has been advocating for stiffer penalties for DUI offenders as well as advising the populace on the perils that come with it. Numerous developments have resulted out of this relentless campaign by this selfless organization. Stiffer penalties have been imposed on DUI offenders as well as the introduction of technology as a way of restricting drunk drivers from going on the road. The penalties and fees imposed by law as a result of their campaign have made having a DUI charge a very costly affair. Repeat offenders often take up to 3 years to pay up for the fines that the court has levied against them on conviction. Also many drug related programs have been established to help offenders who have been found to have a drug problem; which in this case is drug addiction.

As a result of all this, Auto Insurance in New Jersey has benefitted from the reduced DUI related accidents in the recent years. Depending on the circumstances surrounding the arrest, the offender can either be required to pay a fine or serve a jail term if the circumstances were serious. More of this information on the cost of DUIs as far as Auto Insurance in New Jersey is concerned, enter your Zip at the beginning of the page and we will make sure you get the right information.