What Happens to Auto Insurance After a DUI or Major Violation?

Posted on October 31, 2024October 28, 2024 by admin

A DUI (Driving Under the Influence) or major traffic violation can have significant consequences on auto insurance in Beloit, WI. When a driver is convicted of a DUI, insurers view them as a high-risk driver, leading to increased premiums. Major violations like reckless driving or speeding can also cause substantial rate hikes and have a long-term financial impact.

Higher Insurance Premiums

After a DUI or major violation, auto insurance premiums typically increase dramatically. Insurers see these offenses as risky behavior indicators, compensating for the likelihood of future claims by charging higher rates. Depending on the severity of the offense and the driver’s record, premiums could double or even triple. Some insurance companies may refuse to renew policies altogether, forcing the driver to seek coverage with higher-risk, more expensive insurers.

SR-22 Requirement

In many states, a DUI or serious traffic violation requires the driver to file an SR-22 form, which proves that they carry the state’s minimum liability insurance. This form, filed by the insurance company with the state, is often necessary to reinstate driving privileges after a suspension. SR-22 coverage is typically more expensive and remains on the driver’s record for several years, further increasing insurance costs.

Long-Term Effects

A DUI or major violation can remain on a driver’s record for up to 10 years, depending on state laws. During this time, the driver will likely face inflated insurance rates. However, with time, a clean driving record can help reduce premiums. Some insurers offer discounts or forgiveness programs after several years without further violations.

Contact Senz Insurance Agency Inc. for More Information

Senz Insurance Agency Inc. is here to answer all your insurance questions. We serve Beloit, WI, and surrounding cities. Contact us today.

Understanding Different Types of Auto Insurance Coverage in Beloit

Posted on May 31, 2024June 7, 2024 by admin

Vehicle ownership is widespread for anyone in the Beloit, WI area. If you are going to purchase a car here, you do need to make sure you are properly insured. There are various types of coverage to consider getting, which can help ensure you have a well-rounded policy.

Liability Coverage

One type of insurance you need to make sure you have in Beloit is liability coverage. This type of coverage is mandatory for all motorists in Wisconsin. When you have this type of coverage, it will ensure you have support if you are at fault in an accident. This can include covering damage to other vehicles or property or medical bills.

Collision Coverage

Collision coverage is also an important form of insurance to have. It will provide support if your vehicle is damaged in an accident. Whether you are at fault or not, it will help ensure you are able to make repairs or completely replace your vehicle.

Comprehensive Coverage

A comprehensive insurance policy offers additional coverage if you incur other types of loss. Some types of loss that are included and covered include theft, vandalism, natural disasters, or if you are involved in an accident with an animal. This and collision coverage will typically be required if you have a car loan outstanding.

Those who are living in the Beloit, WI area will likely want to own a vehicle. When you are a car owner here, you should call us from the Senz Insurance Agency, Inc. At Senz Insurance Agency Inc., we can help you understand your risks and insurance requirements to ensure you build an appropriate plan for your situation.

Safe Driving Tips to Keep in Mind This Winter

Posted on December 19, 2023December 30, 2023 by admin

Hitting the road in the winter can be rough, but taking steps to make sure you’re protected against the elements while you’re driving can go a long way in helping you stay safe. At Senz Insurance Agency Inc., we’re proud to serve the Beloit, WI area.

Let’s take a look at some tips to help you stay safe when you hit the winter roads:

Keep an Emergency Kit

No matter how well you stay on top of car maintenance, getting stranded due to a breakdown is a possibility. It’s important that you keep an emergency kit in your car to ensure that you won’t be left freezing in the event that your car breaks down and you have to wait for help.

Here are a few things you’ll want to keep in your car’s emergency kit during the winter:

Bottled water and non-perishable snacks (granola bars are a good choice)

Flares
A charged emergency cell phone battery
Space blanket
A list of emergency numbers in the event that your phone runs out of battery and you need to use someone else’s phone to call for help

Check Your Tires

Worn-out tires are dangerous any time of year but can pose an especially serious safety risk when the roads get slick. It’s a good idea to take a look at your tires and make sure they have appropriate tread levels so you don’t find yourself slipping and sliding when winter brings its worst.

Watch the Weather

Winter storms can hit quickly, and it’s important that you keep an eye on the weather to know what to expect. Be sure to take a look at your favorite weather app before you head out for long trips.

Call Today To Discuss Your Options

At Senz Insurance Agency Inc., our team is here to serve the Beloit, WI area. Reach out to us today or stop by our office to learn more.

Senz Insurance Agency, Inc.

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Category: Auto Insurance