DUI Insurance Wisconsin
Reader’s Question:
I was driving in Green Bay Wisconsin WI on a restricted driver’s license by DUI. I was driving outside my restrictions. I crashed my car due to a road hazard so will my insurance pay for damages even though I was not driving to/from work as mandates by my restricted license provisions?
Sarrah
Green Bay, WI
The insurance company’s provisions and/or exclusions will determine if this is covered under your policy. Exclusions on a Personal Auto Policy can be different for every carries and state, so you better review your policy:
Some typical exclusion follows:
-committing a high misdemeanor or felony, or seeking to avoid lawful apprehension or arrest by a police officer; or
-acting with specific intent to cause injury or damage to himself or others;
-operating or “occupying” an “auto” without the permission of the owner of the “auto” or name insured under the policy insuring that “auto”.
-War (declared or undeclared);
-Civil war;
-Insurrection;
-Rebellion or revolution;
-Any act or condition incident to any of the above resulting from radioactive, toxic, explosive, or other hazardous properties of nuclear material.
-and other specified on each policy…
Based on the typical exclusions listed, it seems like you will have coverage afforded unless there are other exclusions listed on your policy.
Green Bay Wisconsin SR22
Q: I’m really emptying my pockets for car expenses. I have a new car, so I have a $500 a month car payment, and then my Green Bay SR22 payment is another few hundred dollars a month. How can I save money here?
A: Since you have a new car, saving money may stll keep you with a high Green Bay SR22 premium, but it ill be better than your current one. Change a few things up and make sure you’re getting credit for what you have so you can save everything possible.
First of all, do you have a safety discount? If you have features such as anti lock brakes, seatbelts, and air bags on your car, then you should be getting discounted for these things. Same goes for if you have an anti theft device of some sort–a particular type is usually required.
Beyond that, you can save a least a hundred dollars a month, if no more, by assuming more risk. You do this by raising your deductible on your additional Green Bay SR22 coverages, such as your collision and comprehensive. I’m going to set a bottom line at around $500, but I suggest you raise it as high as you can go and make sure you start setting money aside so you’ll be able to pay it when the time comes.
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