Can alcohol counseling reduce premiums? How about attending the Drinking Driver Program?
Neither voluntary nor court mandated programs have any impact on insurance premiums. The only program that may reduce premiums is the Defensive Driving Course offered by the National Safety Council and other local vendors, which reduces premiums by 10%. • How long is an alcohol conviction used for computing insurance premiums? Insurance companies cannot charge increased premiums for longer than 39 months. However, many companies will not take new customers who have had an alcohol-related conviction within the past 5, or even 10, years. As a result, drivers who have been forced into the risk pool may have to shop around to find an insurance company that will cover them after the 39 months has elapsed. • If there is no accident, must a client call the insurance company? No, there is no contractual obligation for a driver to report if there is no accident involved. • What if there is an accident? Drivers are required to report an accident to their insurance company. Additionally, if the d
