Taimoor Rana is seasoned criminal defense attorney specializing in DUI related cases. He shares his expert legal opinion here DUI Conviction Can Affect or Kill Your Car Insurance Policy »
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- Its rare that the people may know about that a DUI conviction can affect on car insurance rates. But its reality if you gotten a DUI and insurance carrier find out that then insurance premium will be doubled and in some cases it can be triple. The DUI conviction can have horrible affect on the car insurance.
There are few necessary things, which one should know that what could happen to car insurance after being convicted for DUI.
Those things are:
Is a Car Insurance rate will Increase After a DUI?
When you are convicted for DUI, then for car insurance company you become a risk and they will prefer to increase the premium rates. Simple reason for car insurance company for increasing rates for you is that they will consider you as a financial risk. Because a drunk driver is having more chances to have accident, and insurance company will lose money for any car accident that causes substantial damage.
What is an SR-22 Certificate?
SR-22 is called a Proof of Insurance Certificate that identifies you as a DUI convicted person. You can file SR-22 many times through your car insurance company. But in some cases your insurance carrier may not have an SR-22 policy, it will be because they wont be offering car insurance policies to those who have a DUI on their driving record.
When SR-22 is once filed through car insurance company, the insurance carrier must file it with the DMV (Department of Motor Vehicles). And one SR-22 is filed at the DMV then any car insurance company can have access to it.
Car insurance companies consider those high-risk drivers who are having SR-22 on file.
Will Car Insurance Company Cancel the Insurance Policy?
If they find out your DUI conviction they can cancel your car insurance policy. You can be forced to find another car insurance carrier to insure you with high-risk driver status or you car insurance provider may not renew your policy at the end of its term.
Finding new car insurance policy after being convicted for DUI is a big problem also. May be some companies will insure your car but many wont because DUI may imply greater financial risk to them.
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How Does a Drunk Driving Conviction Affect Your Insurance? »
Your automobile insurance rates are likely going to go up for at least three years, in most states, if you are convicted of drunk driving. Most probably, you will also be learning a lot about something called SR-22.
Your state may call it differently, but no matter whether it is called driving under the influence, driving while intoxicated or operating a vehicle while intoxicated, if you are convicted of any of those offenses, there are great chances that your insurance rates will increase before you are allowed to drive again.
Laws Vary by State
Different states may have various penalties regarding drunk driving, but it is for sure that in every state, impaired driving conviction may result in the suspension of your driving privileges, for at least 30 days to one year, even on the first offense.
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