For insurance companies it is ALL about the money and marking those people in actuary tables that could possibly cost them money and hurt their bottom line. If you get a DUI and do not cause any property damage or fatalities, your insurance rates will still go up. Why? you did not cost them any money.
I'm no fan of insurance companies but the answer to your question is fairly simple, and it's the same reason your rates go up if you get speeding tickets. Statistically, you're a higher risk so you really can't complain about paying more.
If you did not cause any property damage or personal injury?
The main question is:
Will lowering the limit to 0.05 reduce property damage and personal injury. If so, how much. The are lot's of driving forces for these studies to show just that.
I think a dui with no property damage or personal injury should be a misdeamor, anything over $500 or personal injury a felony. Any dui with BAC under 0.08 the same, with over a felony.
