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How Will An Impaired Driving Conviction Impact Upon Your Insurance Rates In Canada?

by Elizabeth_Murphy

Having an impaired driving conviction in Canada carries some very
stiff consequences that are difficult to overcome. First of all,
it is a very embarrassing thing when everyone knows what you have
done and that it is a criminal offense. Even people who have
never been in any kind of trouble suddenly turns into a convicted
criminal because of their impaired driving conviction. Another
consequence is the increase in car insurance rates, which can be
rather steep and rough on the wallet.

Someone who has a blood alcohol level above 80 milligrams and is
operating a motor vehicle has committed a very serious criminal
offense, and this offense can become even worse if the impaired
fails to comply with the demands of the police officer to submit
to roadside analysis for intoxication. Either way, the damage is
done, so it is in the best interest of the offender to comply in
order to avoid further embarrassment, although it will do nothing
for their car insurance rates.

Once the offense has been committed, the driver is considered a
�high risk� driver, which results in an increase of the car
insurance rates called the �Facility rating.� Many insurance
companies will go ahead and cancel the policy of the convicted
driver, but when the driver is placed within the facility rating,
they are looking at insurance premiums upward of $10,000 per year
for at least five years. The insurance company will also refuse
to pay for any damages incurred to the offending driver�s
vehicle.

Basically, all insurance policies and accident claims will be
void if the vehicle of the accused is found to be involved in
impaired driving or any illegal act. This can result in the
insurance company suing the accused for any claims made for the
damages imposed on another person�s vehicle.

For a teenager who is convicted of impaired driving, the laws
are a little bit different in that their car insurance rates will
be returned to normal rates when they are twenty-one years of
age. This does have organizations such as MADD in a frenzy
because they believe this is not a good example for young drivers
because, although they do face consequences of high interest
rates for a number of years it is not the usual 5 years that
drivers 18 and up have to face.

Something else that needs to be taken into consideration in
regards to an impaired driving conviction is that the license of
the offender, no matter their age, will be suspended and that
suspension may lead to an insurance surcharge. If the accused
successfully defends the charge that resulted in the suspension,
can provide a certified copy of the information to the insurance
company, the surcharge should be removed upon renewal of the
policy.

The penalties are rough, but most certainly deserved by anyone
who decides to get behind the wheel of a motor vehicle when they
are impaired. With a $10,000 per year insurance bill, that should
be enough to deter anyone from driving under the influence, but
there are still those who do not believe that they will get
caught because they don�t feel like they are as impaired as what
they actually are. It is when they get caught and are stuck with
not having a license, have a criminal conviction under their
belt, and five years of astronomical car insurance rates that
they will regret and wish they could go back in time to do that
day all over again and make the right decision regarding
operating a motor vehicle under the influence. Unfortunately, it
doesn�t quite work that way, so the consequences must be paid.

Owning and driving a car is a privilege. Be sure to maintain your
<a href="http://www.belairdirect.com"> car insurance rates </a>by
obeying the rules of the road.

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