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  • Professor Stefan Witte, Delft University of Technology

New Jersey DUI Lawyer Rachel Kugel Releases Article on Key Considerations for DUI Car Insurance

New Jersey DUI Lawyer Rachel Kugel Releases Article on Key Considerations for DUI Car Insurance

New Jersey DUI lawyer Rachel Kugel (https://thekugellawfirm.com/what-to-know-about-dui-car-insurance/) of The Kugel Law Firm outlines what drivers need to know about DUI-related insurance implications in New Jersey. DUI convictions bring severe legal and financial consequences, particularly impacting car insurance premiums. With years of experience in DUI law, Rachel Kugel provides crucial insights into the increased costs and coverage limitations that DUI offenders face, along with potential strategies for mitigating these expenses.

In New Jersey, a DUI conviction categorizes drivers as high-risk, leading to sharply increased insurance premiums. As New Jersey DUI lawyer Rachel Kugel explains, "A DUI can cause a significant spike in your car insurance rates, potentially raising premiums by as much as 74% annually." This high-risk designation often makes it challenging for convicted drivers to find affordable insurance coverage, with many carriers even refusing to insure high-risk drivers. The financial impact on premiums underscores the importance of understanding post-DUI insurance requirements and strategies for cost management.

Rachel Kugel emphasizes that DUI-related rate increases are typically long-lasting. The effects of a DUI conviction may influence insurance rates for three to seven years, depending on the policies of individual insurance providers. During this period, the DUI remains on the driver’s record, continuing to shape premium calculations. “In many cases, maintaining a clean driving record following a DUI is the best way to potentially reduce rates over time,” the New Jersey DUI lawyer says. However, this rate adjustment varies among insurers, some of whom may keep elevated rates for the entire specified period.

The financial burden following a DUI goes beyond initial rate increases. Kugel points out that several factors affect the scale of rate hikes, including the severity of the offense, the driver's overall record, and the insurance provider's specific policies. For instance, a DUI involving a high blood alcohol concentration (BAC) or multiple offenses can lead to even steeper premium increases. Moreover, factors such as coverage type and credit history can influence insurance rates, with comprehensive coverage seeing more considerable increases than basic liability coverage.

One common question is whether New Jersey requires an SR-22 form, a document that verifies minimum coverage. In the article, Rachel Kugel clarifies that New Jersey does not mandate SR-22 filings for DUI convictions, a notable exception compared to many states. However, for those with convictions in other states, Kugel warns that an SR-22 might still be required if the offense occurred outside New Jersey.

Recognizing the challenges DUI offenders face in managing their insurance rates, Rachel Kugel shares practical strategies for alleviating the financial impact. One effective method is point reduction on the New Jersey Motor Vehicle Commission (MVC) record. For example, a year without any violations can reduce points by three, while participation in specific MVC programs can lower points further. Kugel notes that “point reduction can help lower overall insurance costs, but it’s essential to understand that a DUI still affects insurance independently of MVC points.”

Kugel advises DUI offenders to avoid lapses in coverage, as a lapse can lead to even higher premiums or a complete lack of coverage options. Maintaining continuous insurance, even with elevated premiums, is essential to prevent future penalties and help ensure ongoing coverage. Kugel also cautions against opting for minimal coverage solely to save on premiums, as this approach could increase risk exposure and further raise rates.

Rachel Kugel further suggests that drivers consider enhancing their credit history. Insurance providers often use credit-based scores to determine premiums, and a strong credit score can help to moderate insurance costs. Completing defensive driving courses can be another proactive measure, as some insurers offer discounts for these courses. Kugel highlights that these courses benefit drivers by improving their skills while potentially reducing insurance premiums.

Working with a New Jersey DUI lawyer, according to Rachel Kugel, can be instrumental in handling the complex matter of insurance after a DUI conviction. Kugel asserts that DUI attorneys can negotiate with insurance providers to seek more favorable terms by highlighting mitigating factors, such as the completion of rehabilitation programs or defensive driving courses. “A DUI attorney can be invaluable in negotiating with insurers to help ensure drivers receive fair treatment and avoid unnecessary rate hikes,” Kugel states.

About The Kugel Law Firm:

The Kugel Law Firm, led by experienced New Jersey DUI lawyer Rachel Kugel, can provide dedicated legal assistance to individuals facing DUI-related challenges, including insurance complications. The firm is committed to offering personalized guidance and representation, aiming to protect the rights and future of every client facing the consequences of a DUI conviction.

Embeds:

Youtube Video: https://www.youtube.com/watch?v=-jVgF361Xo8

GMB: https://www.google.com/maps?cid=3822170752710866861

Email and website

Email: admin@thekugellawfirm.com

Website: https://thekugellawfirm.com/

Media Contact
Company Name: The Kugel Law Firm
Contact Person: Rachel Kugel
Email: Send Email
Phone: (973) 854-0098
Address:1 Gateway Center # 2600
City: Newark
State: New Jersey 07102
Country: United States
Website: https://thekugellawfirm.com/

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