Getting into legal trouble on the road can have long-lasting consequences, especially when it comes to your driving record and insurance rates.
In Alberta, the IRS-FAIL program is one such measure that can significantly impact your life if you find yourself facing it.
But what exactly is IRS-FAIL, and how does it affect your auto insurance?
Let’s take a look:
What is the IRS-FAIL Program in Alberta
The IRS-FAIL (Immediate Roadside Sanction – FAIL) program is part of Alberta’s efforts to reduce impaired driving incidents.
This program is triggered when a driver is found to have a blood alcohol concentration (BAC) over the legal limit during a roadside test.
If you are caught under the IRS-FAIL program, it means your BAC was too high, and you’ll face immediate penalties like a license suspension, vehicle seizure, and fines.
These penalties are intended to serve as a deterrent, but for those who receive an IRS-FAIL, the impact on their driving record and insurance can be long-lasting.
How IRS-FAIL Affects Your Driving Record
An IRS-FAIL designation on your driving record can lead to several challenges:
- License Suspension: Your license may be suspended for up to 90 days, depending on the specifics of the incident.
- Impaired Driving Record: This designation stays on your record for a set period and indicates that you have been caught driving under the influence.
- Impact on Future Licensing: Having an IRS-FAIL can affect your ability to obtain or renew your driver’s license, as additional requirements or restrictions may be imposed.
Being labeled high-risk can also make it more challenging to find affordable insurance, as providers see you as a liability.
The Impact of IRS-FAIL on Auto Insurance Rates
After an IRS-FAIL, your auto insurance rates are likely to increase. Here’s how it can affect your premiums:
High-Risk Driver
With an IRS-FAIL on your record, you’ll be classified as a high-risk driver. This categorization makes you more likely to be involved in an accident or face additional violations, which insurance companies factor into their pricing.
Increased Premiums
As a high-risk driver, you can expect your premiums to go up significantly. The exact increase will depend on your insurance provider, but it’s not uncommon for rates to double or even triple.
Loss of Discounts
Discounts for good driving behavior, bundling policies, or loyalty are often removed for high-risk drivers. Losing these discounts can further increase your insurance costs, making it even harder to afford coverage.
Can You Get Insurance After an IRS-FAIL?
Despite the challenges, it is possible to get insurance after an IRS-FAIL. However, you’ll need to consider high-risk insurance options and take steps to reduce costs.
High-Risk Insurance Options for IRS-FAIL in Alberta
High-risk insurance providers specialize in offering coverage to drivers with problematic records, such as an IRS-FAIL. These policies tend to have higher premiums, but they ensure you have the required coverage to get back on the road legally.
How to Reduce Costs After an IRS-FAIL in Alberta
While high-risk insurance is more expensive, there are ways to lower your premiums:
- Complete a Defensive Driving Course: Some insurers offer discounts for completing approved courses, as it demonstrates your commitment to safer driving.
- Shop Around: Don’t settle for the first quote you receive. Different insurers have different rates and criteria, so comparing options can help you find the most affordable coverage.
- Increase Deductibles: Opting for a higher deductible can lower your premium. However, make sure you can afford the deductible amount in case of a claim.
Finding the Right Insurance after an IRS-FAIL
Navigating insurance options after an IRS-FAIL can be overwhelming, but choosing the right provider and understanding your coverage can make a significant difference.
Work With High-Risk Insurance Providers
High-risk insurance providers specialize in helping drivers with impaired driving records. They understand the unique challenges you face and can tailor policies to suit your situation.
Look for Adequate Coverage
Even as a high-risk driver, having the right coverage is important. Consider the level of protection you need, including liability, collision, and comprehensive coverage, to ensure you’re adequately protected on the road.
Understand Your Policy Terms
Read through the details of your policy carefully. It’s important to understand what is covered, what isn’t, and any exclusions that may apply to high-risk drivers. This can help you avoid surprises if you need to make a claim.
Why DUI Insurance is Your Trusted Partner for High-Risk Insurance
Dealing with an IRS-FAIL can feel like an uphill battle, especially when it comes to finding affordable insurance.
At DUI Insurance, we understand the unique challenges that come with a high-risk designation and are dedicated to helping you navigate the process with confidence.
Our team has extensive experience working with drivers in similar situations, which means we know exactly how to find solutions that work for you.
We offer personalized service tailored to your specific needs, helping you explore options that fit your budget without compromising on coverage.
Unlike standard insurers, we take the time to understand your situation and provide guidance every step of the way.
From explaining policy details to assisting with paperwork, we’re here to make the process as smooth as possible.
Our goal is to help you get back on the road without the stress and confusion that often comes with high-risk insurance.
We work with a network of specialized providers to secure competitive rates, ensuring you have access to the coverage you need at a price you can afford.
With DUI Insurance, you’re not just another policy number—you’re a valued client we’re committed to supporting as you move forward.
Get a Quote Today
Ready to take the next step?
Contact us for a quote today and let our team guide you through your insurance options
We’re here to help you find the right coverage for your needs, so you can focus on getting back behind the wheel.