Hey besties, it’s me, your friendly insurance expert, Mark! Today, I want to spill the tea on major violations and how they can affect your insurance policy. We all know there are countless tickets out there, from driving too slow to speeding like a maniac. But when it comes to insurance, there’s a specific set of major violations that can really shake things up. So, grab your favorite drink and let’s dive in!
What are Major Violations?
First things first, major violations aren’t determined by your insurance company, but rather by the state. These violations come with serious consequences, so it’s important to know what they are. Now, you’ve probably heard of the most notorious one: DUI (Driving Under the Influence). If you get caught with a DUI, your insurance rates are going to skyrocket. Trust me, it’s not a pretty sight. The severity of the increase depends on the circumstances, such as whether you had an accident or made a medical claim.
Another major violation is reckless driving. Picture this: your crazy friend decides to show off their driving skills in a cornfield. Sounds wild, right? Well, it may lead to a reckless driving ticket, and trust me, insurance companies don’t take that lightly. Your rates will go through the roof, and your parents might have a mini heart attack too!
And let’s not forget about speeding or drag racing. If you’re caught squealing your tires or racing someone on the road, you can kiss your low insurance rates goodbye. These major violations can seriously impact your policy.
The Difference between DUI and OWI
Now, you might wonder, what’s the difference between DUI and OWI? Well, in the eyes of insurance, it doesn’t really matter. Whether it’s impaired driving, operating while impaired, or driving under the influence – they all fall under major violations. Insurance companies don’t discriminate when it comes to these offenses. So, make sure to steer clear of any situation that could lead to a major violation.
The Consequences and Takeaways
Most insurance companies draw the line at two major violations. If you have more than that, well, let’s just say you’ll have a hard time finding coverage. And if you’re unlucky enough to have five claims, you might be out of luck as well. Some companies might tolerate up to seven claims, but keep in mind that the price will be astronomical. It’s simply not worth it, besties!
Now, let’s talk about the most common ticket you’re likely to come across – speeding. Depending on the state you’re in, you may have options to remove it from your record. Some states allow for a prayer for judgment, while others offer driving courses. However, even if you manage to get the ticket removed, your insurance may not be so forgiving. Some companies don’t verify this information regularly, but don’t count on it. It’s always a good idea to consult with your insurance agent to understand the potential impact on your policy.
Final Thoughts
So, there you have it, my besties! Major violations can leave a lasting mark on your insurance policy, and it’s essential to be aware of their consequences. While there are many other types of tickets out there, we’ll save those juicy details for another time. If you have any questions or want to share your own experiences, drop a comment below. And if you found this article helpful, don’t forget to hit that subscribe button! See you in the next one!
