Getting a DUI can be detrimental in many ways. You may face driver’s license suspension, jail time, and expensive fines, but you could also face other financial burdens relating to your DUI. One complication is you will probably see an increase in your car insurance rates. With any person’s auto insurance, the rate you pay is typically dependent on the person’s driving record. If you have an OWI conviction on your record, your car insurance company will likely raise your premiums, although the percentage your rate is raised depends on the company.

What Causes Car Insurance to Go Up?

Your insurance rates are usually determined by how much of a risk your insurance company considers you to be. If the insurance company has reason to believe that you are a risky driver, then you will pay more for your insurance coverage. There are a number of factors that affect how your insurance company determines whether you are a risky driver. These include:

The decision to get a divorce is never an easy one, even when you and your spouse constantly argue. A divorce is one of the most painful and impactful experiences that can happen in your life. Divorce not only affects you and your spouse but also your children and your entire family. 

Your divorce will also evoke a variety of feelings that can include sadness, depression, and anger. Although these feelings can be difficult to handle, there are healthy ways you can cope with the stress of divorce. Here are a few proven tactics that will allow you to channel your feelings and help reduce stress:

While the United States Constitution guarantees every U.S. citizen the right to bear arms, it is treated more like a privilege throughout the country. This is especially true when it comes to citizens carrying concealed weapons. In some states, you do not need a permit to carry a concealed weapon. In other states, including Wisconsin, you must apply to receive a permit in order to legally carry a concealed weapon.

Gun laws can be complex, which is why it is important to do your research before you become a firearm owner. If you do not, you could risk breaking the law without knowing it. 

In most states, a DUI is considered a criminal offense (typically a misdemeanor), even for a first offense. This is not the case in Wisconsin, where a first-time OWI is treated more like a traffic violation. Two Wisconsin lawmakers have proposed bills that would make DUI penalties in Wisconsin more severe. One of these bills aims to increase penalties for first-time DUI offenders in Wisconsin, something the lawmakers say is long overdue. 

Wisconsin DUI Laws

Under the proposed bill, first-time OWI charges would no longer be treated as traffic offenses. They would become criminal misdemeanor charges, punishable by up to 30 days in jail and $500 in fines. Though alcohol-related crashes have decreased in recent years, a good portion of Wisconsin DUI offenses are committed by first-time offenders. The lawmakers say this bill would help deter people from drinking and driving even further. 

Life is often unpredictable. Nobody thinks a life-altering injury will happen to them until it does. When you are injured or ill to the point where you can no longer work, it can put a huge financial strain on you and your family. Thankfully, Social Security disability benefits exist to help those who cannot work due to an illness or injury. Though many types of illnesses and injuries can make working difficult or impossible, the Social Security Act has very strict definitions of “disabled.” 

Social Security Disability Definition

The only way you can receive Social Security disability payments is if you are totally disabled. They do not pay for partial or temporary disability. According to the Social Security Act, you are only considered totally disabled if: