DUI and Car Insurance
If you’re convicted of a DUI, there are some serious ramifications and penalties that you face including fines, jail time, probation and suspension of your driving privileges. However, the impact of a DUI doesn’t just stop there. In addition to the legal penalties imposed upon you, there are hidden consequences of a DUI arrest and conviction that have to be considered. For example, with a DUI charge and/or conviction, it’s not just your driving privileges that are at risk but your car insurance as well.
How will a DUI affect my Auto Insurance ?
Sometimes, a driver convicted of drunk driving won’t have their car insurance affected at all, however, this is generally an exception and not the rule. Usually if you are convicted of DUI, you’re labeled as a “high risk” driver and, as such, your insurance company may take one or more of the of actions below.
- Raise Your Premiums- Often times, high risk drivers, such as those charged with a DUI, have to pay a higher premium.
- Charge You an Additional Premium- Some insurance underwriters will charge an additional premium, on top of the one you’re currently paying for your coverage.
- Drop Your Coverage- In the worst case scenario, your insurance company may decide to no longer provide you with coverage and drop you altogether.
If your coverage has been dropped due to being considered high risk, you might find it difficult to find another insurance company that is willing to offer you insurance. For Maryland drivers in this predicament, you might find that the only way you can get your vehicle insured is through the Maryland Automobile Insurance Fund, which is often the last resort when it comes to coverage.
What Should I do if I’m charged with a DUI?
In the instance that you are pulled over and charged with a DUI, it’s important to get legal help from an experienced DUI attorney who has a proven track record of winning DUI cases. Remember, a drunk driving arrest is not a conviction and you can fight the charges you are facing. Contact the law offices of Alpert Schreyer to speak with one of their experienced DUI defense attorneys. A DUI is a serious matter that can impact your quality of life for a considerable amount of time. Don’t wait, get help today.