St. Patrickâ€™s Day involves many traditions, the largest and most dangerous of which is drinking. The festive beverages include green tinted lager, Guinness stout and Irish whiskey like Jameson. Itâ€™s fun to indulge, but if you do, donâ€™t get behind the wheel.
Each year, the authorities note an uptick in the number of alcohol-related incidents on St. Patrickâ€™s Day, so with revelers hitting the parades and pubs, police surveillance is increased and cops are extra wary of drivers.
Besides the obvious and serious consequences, such as accidents, arrest, and even death, there are many other less-obvious financial consequences. These include:
- Criminal fines
- Court costs/bail
- Attorneyâ€™s fees
- Car towing/impoundment
- Loss of employment/temporary loss of income
- Cost for DUI classes
- Cost for breath alcohol ignition lock devices
According toÂ Mothers Against Drunk Driving (MADD), on average, a first-time DUI offender in the United States can expect to see his auto insurance rates rise by up to $6,000 a year. For a second offense that number can triple.
In addition, life insurance providers consider driving records as well as medical records when considering a candidate and determining their rates.
While minor traffic and moving violations wonâ€™t have a significant effect on rates, applicants who have DUIs on their record pose a higher risk because you made a decision that put yourself and others in danger.
Generally, if an individual has received a DUI charge within the last 5 years, they wonâ€™t qualify for a companyâ€™s best rates and will end up facing higher premiums.
Thereâ€™s also the possibility that a drunk driver’s death could deprive his or her family of the security that life insurance otherwise offers. There have been cases where life insurance providers have not had to pay out because the insured was found responsible for their own death.
So you see, the legal and financial hangover of a DUI could last well past the end of St. Patrickâ€™s Day.
Protect yourself and others from becoming a statistic by planning a safe way home before the festivities even begin, whether you designate a sober driver, take public transport or call a taxi.
If you spot a drunken driver on the road, please contact local law enforcement.
Here at SelectQuote, we wish you a happy and safe St. Patrickâ€™s Day!