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Car Insurance Question  My husband got a DWI in Alaska and he has an SR-22 with Geico. His employer says he still cannot drive a company vehicle because their insurance (State Farm) will not allow it. Why?

As you are aware a DUI in Alaska is serious offense. When you are arrested for a DUI, you face both administrative license action and criminal prosecution. Part of these actions is the revocation of a person's driving privilege, which is 90 days if it is your first DWI offense.

If your husband is a commercial motor vehicle operator, the AK Division of Motor Vehicles will disqualify his privilege to drive a commercial vehicle for a minimum period required by law. The disqualification period can be 1 year or life, depending on the severity of the offense.

As for your husband not being permitted to be added to his work's insurance policy, your husband can see if he can speak with the State Farm representative for the policy covering the company vehicles. He then can ask exactly why he is not on the policy and if there is anything he can do so that he could be put back on the policy.

State Farm underwriters could find your husband too much of a risk, due to his DWI, so that he cannot be listed on the commercial or business policy. Or it could be the cost of having your husband on the policy would be too high, because of his driving record and convictions, so his employer has opted to not have him on the policy.

If your husband is unable to get the answers he needs from his employer or their insurer, he can contact the Alaska Division of Insurance to make certain what is occurring is allowable according to state law.

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This car insurance question was asked on 3/1/2006
This auto insurance answer was last updated on 3/2/2006
Lorelei requested this car insurance solution.
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