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DUI Car Insurance

A DUI (driving under the influence) charge can be very costly. In addition to fines and court fees, there are other hidden expenses that result from a DUI conviction. One such consequence is an increase in your auto insurance rates.

Once your insurance company discovers that you have a DUI conviction on your record, one of two things will happen: your insurance rates will skyrocket or your insurance company will cancel your coverage altogether. Even if your coverage does not get cancelled immediately, your insurance company may opt not to renew your coverage when it expires.

If you have been dropped by your insurance company, or never had insurance to begin with, you will need to seek out DUI auto insurance. These policies are created for people who have been convicted of a drinking and driving offense. While a DUI auto insurance policy allows you to obtain coverage, it can be prohibitively expensive. There are no laws regarding maximum insurance premiums for DUI offenders. It is a good idea to comparison shop for the best rate on DUI auto insurance.

After a DUI conviction, you will be required to submit proof of auto insurance to your states DMV (Department of Motor Vehicles) for three to five years in order to have your driver’s license suspension lifted. Your auto insurance company will file an SR-22 form with the DMV in order to prove that you are currently insured.

The timeframe during which you are charged DUI auto insurance rates depends on the insurance provider’s policy as well as your state’s laws. Each state has rules regarding how long a DUI conviction remains on your record. Once the conviction is off your record, your insurance premiums will go back down.

Having a DUI conviction automatically places a driver in the “high-risk” category. However, you can take steps to demonstrate your responsibility to the insurance company. As part of your punishment for driving under the influence, you may be required to go to DUI School. In addition to the classes that are required for your sentence, you can take extra courses in order to show the insurance company that you are committed to safe driving.

Are you dealing with DUI charges? If so, it is in your best interest to contact a qualified DUI defense lawyer. A DUI lawyer can work with you to avoid the high cost of DUI insurance as well as the penalties that come as the result of a conviction.

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