Nowadays, almost all of the major car insurance companies will reward their customers for maintaining clean driving records. They do this by either giving discount on the premium price or by issuing a refund check for a percentage of the premium paid.
Because it is an accident having to do with your driving and lack of ability to do so.
There are many car insurance companies all over the world. It is impossible to answer this question without having the location narrowed down to at least a country.
Most insurance companies only use the last 5 years of your driving record to determine your premium. But it is really up to them to determine how long they want to consider your DUI when calculating your insurance rate.
Not usually. Most companies will add coverage for the insurance which is usually higher than you will pay at most companies. This is called forced place insurance.
Shipping or transport companies would benefit from having haulage insurance. Haulage insurance covers damages in transportation of good, so the shipping companies would want it.
The company is trying to determine if you were driving without having coverage. If so, you will be put in a high risk category. Companies charge a higher premium for a person who participates in high risk behaviors. Some companies will not insure drivers who are uninsured and still driving.
They may in your state...ask your insurance agent.
You can be convicted for number of faults if you are driving without a driving license. For example you can also be convicted for not having insurance. Because driving without valid driving license invalidates your insurance also.
You should consider companies that company offer discounts for having a safe driving record. You should also look for companies that provide options for adding a new driver without additional cost.
This is a list of insurance companies based in the United States. These are companies with a strong national or regional presence having insurance as their main priorities. en.wikipedia.org/wiki/List_of_United_States_insurance_companies.
Driving with no auto insurance is considered one of the more serious offenses you can commit well driving a vehicle. With that in mind some common things that happen if you are found driving without insurance include having your driver's license suspended, having your vehicle registration suspended, receiving a traffic ticket, hefty fines, and that you file an SR-22.
In Texas if you a caught driving without insurance you will be ticketed. I believe this is true in most states.