A DUI, OR A WET RECKLESS, OR A NEGLIGENT DRIVING?
A DUI, OR A WET RECKLESS, OR A NEGLIGENT DRIVING?
Tom Black
Serenity Insurance Group
When we find ourselves forced to make a decision to fight the DUI charge and have an attorney try to plea to a different charge, we need to keep certain things in mind.
Many people have a specific reason to avoid the DUI charge. Some will want to do anything to avoid the DUI charge on their records. This may be for several reasons, employment record or to qualify for certain life or disability insurance policies. Regardless of the final disposition, the driver is going to have to file an SR-22 filing with the state licensing authority (DMV, DPS, and DOL).
Here is the surprise: Most insurance companies CHARGE MORE PREMIUM FOR A WET RECKLESS CITATION OR A NEGLIGENT DRIVING TICKET THAN A DUI! Can you believe it? You can generally get lower cost insurance with a DUI than the Reckless Driving or Negligent Driving.
The reason is simple. Insurance companies set rates based on statistical data. More Reckless and Negligent Drivers get in accidents than DUI offenders
Although any one of these citations is difficult, please think twice about the outcome of a “reduced plea”, as it will generally be more expensive when you try to keep your auto insurance costs low.
