Can I get Auto Insurance after a DUI Conviction?
Auto insurance is one of the many things that can be affected by a drunk driving conviction. Following a DUI conviction, your insurance company will be notified, which can often result in higher premiums due to you being considered a higher risk driver. The other alternative is that your insurance company might decide to no longer continue to ensure you after your conviction. If you’re arrested in the state of Maryland, you might be offered probation before judgment, otherwise known as a deferred judgment. This is an option for many first time offenders who are arrested for a DUI in Maryland.
In either instance, if you’re convicted or offered probation before judgment, the effects of a DUI charge may be reflected on your automotive insurance, whether it means you lose coverage altogether or are subjected to the significantly higher premiums that come with being considered a high-risk driver.
If I’m Convicted or receive adjudication, will my premiums ever go back down?
Unfortunately, there are no standards among the insurance companies as to when you’re considered to be a lower risk after a DUI conviction or other dispensations such as probation before judgment. While one insurance company might decide that you’re too high of a risk to cover, another might decide that after a certain length of time without further incident, you will become eligible for an average premium. In either instance, there is no set answer for if or when your premiums will go back down.
Hire an Attorney
When it comes to your auto insurance, a DUI/DWI conviction and possibly even a PBJ can be far from ideal. If you are charged with driving under the influence, then it is important to hire an experienced DUI attorney before your Court date. Having an attorney present your defense can greatly help improve your chances of being acquitted. The attorneys at Alpert Schreyer have both the experience with Maryland DUI laws, as well as a strong track record of successful DUI defense. If you’ve been charged with a DUI in the state of Maryland, contact their legal offices for a free case consultation. Being cleared of the charges can not only mean that your insurance premiums will stay affordable, but that you’ll also be protected from the other penalties and punishments that come with a DUI conviction.