IN Brentwood-Baldwin-Whitehall Summer 2017 | Page 17

INDUSTRY INSIGHT
INSURANCE INFORMATION
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The Real Consequences of Drunk Driving
Plenty of people know that drinking and driving don’t mix—but many
still do it. According to the Centers for Disease Control and prevention,
there are over 300,000 incidents of drinking and driving each day. 1
And arrest doesn’t typically mark the first time a person drives under
the influence: The average drunk driver does so over 80 times before
getting caught. The risks are high, but the solutions are simple. 2
What is drunk driving?
States differ in what they call it—driving under the influence,
driving while intoxicated, drunk driving or impaired driving—but
in every state, a baseline blood alcohol concentration (BAC) of 0.08
percent is considered an offense. For those age 21 and under, zero-
tolerance laws criminalize driving with very small amounts of alcohol.
States may also have enhanced penalties in place for those who drive
with very high BACs, minors in the vehicle or multiple convictions. 3
l If you go out alone, do not drink alcohol. Order a non-alcoholic
beverage such as a soft drink or water.
l If you’ve been drinking, call a taxi or car-sharing service for a ride.
l Never get in a car with a driver who has been drinking.
1 https://www.cdc.gov/motorvehiclesafety/impaired_driving/impaired-drv_factsheet.html
2 https://www.fbi.gov/about-us/cjis/ucr/crime-in-the-u.s/2014/crime-in-the-u.s.-2014/tables/table-29
3 http://dui.findlaw.com/dui-laws-resources/underage-dui-zero-tolerance-laws.html
4 http://www-nrd.nhtsa.dot.gov/Pubs/812231.pdf
5 http://www.ghsa.org/state-laws/issues/alcohol%20impaired%20driving
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What are the consequences of drunk driving?
When you drink and drive, you’re compromising cognitive ability
and responsiveness, which increases your risk for an accident. IN fact,
28 people die each day because of a drunk driving crash. 4
Get caught, and a single drunk driving infraction may have legal,
financial, personal and even professional ramifications.
l Forty-two states suspend your license for varying lengths of
time—sometimes up to a year. Multiple convictions typically
equal a revocation of a license.
l Some states require mandatory jail time—even for a first
offense—as well as fees and fines.
l You may be required to install an ignition interlock device on
your car; if it detects alcohol, it will prevent you from operating
the vehicle.
l A single drunk driving conviction may lead to job loss or
restrictions (i.e., operating company vehicles).
l Higher insurance rates almost always accompany drunk driving
convictions.
l If you were involved in an accident as a result of drunk driving,
your insurance may deny payment for injury treatment. 5
How can you stop drinking and driving?
Always make good decisions and plan ahead. Here are some
solutions to avoid drunk driving:
l Always choose a designated driver—every time you go out.
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