Reader’s Question:

I got a drunk driving charge here in Houston, Texas but the insurance policy is not under my name. Will the rates go up for the auto insurance policyholder?

Carina

Houston, TX

Yes, your drunk driving charge in Houston, Texas can have an effect on the rates of the policyholder if you’re a driver listed under the policy. The driving record of any licensed motorist on a policy or in a household could have an influence on the insurance rates as well as insurance provider’s choice to insure the automobile. Certain violations could cause an insurance company to turn you or the policyholder down for insurance coverage or to pay higher premiums.

A motorist with a bad driving record would be more of a risk for an insurance provider than a motorist with a clean driving record and thus their premiums are typically higher. The whole policy, therefore, could be affected by one motorist’s drunk driving charge or serious driving violation. If the policyholder’s insurance premiums increase because of your drunk driving charge, they might want to check if they can have a better rate so you can advise the policyholder to check online rates from this website.

Tags: auto insurance, auto insurance policy, drunk driving insurance