When you’ve been arrested for driving under the influence (DUI) or driving while impaired (DWI), you face some stiff consequences. These charges hold the potential for jail time and serious fines. You are also at risk of losing your driver’s license. But what effect, if any, does a DUI have on your car insurance?
Will a DUI/DWI Conviction Affect my Car Insurance?
For some people, a DUI/DWI conviction will have no effect on their insurance rates. However, many people will see an impact on their premiums. If you are convicted of a DUI, you are typically seen as a “high risk” driver by insurance companies. Even if you receive a probation before judgment, it will still appear on your driving record. In addition, a DUI is not an expungeable offense, meaning you can’t get it taken off your record.
Once a DUI or DWI is reported, your insurance company will inevitably find out about it, even if this doesn’t happen right away. It usually comes up when you reapply for insurance or renew your policy. All insurance companies act differently when it comes to calculating premiums so it is difficult to say precisely the impact a DUI will have on your rates. The insurance company will most likely look at the overall picture of your driving record, and any claims history you have with the company.
Usually, high-risk drivers will have to pay higher premiums on their insurance. In some instances, an insurance company will charge an additional premium based on your DUI. In a worst-case scenario an insurance company may even drop your coverage altogether. If this is the case, it can be difficult to get a good rate when applying for new insurance. But no insurance company operates the same way so if you shop around you can probably find a company that will cover for you for a higher premium.
Contact an Experienced DUI/DWI Attorney.
If you’ve been arrested for DUI or DWI, having an experienced attorney on your side may help you reduce the effect of the arrest on your car insurance. Contact the lawyers at Alpert Schreyer, LLC or call us at 866-444-6363 for a free consultation today.