If you have been charged with a DUI, or driving under the influence offense this is a very serious matter.  If you have been convicted of the charges the dire consequences will not only be shameful but also damaging to your wallet.  Apart from the different fees you have to pay for court proceedings such as a lawyer, fines charged to your license and other expenses your insurance rates will raise as well.

When your insurance company finds out about your DUI conviction, and they will, there are two options to dealing with your policy.  First, they have the ability to raise your rates because you are now a high risk driver or they can just choose not to offer you coverage anymore.  If your provider doesn’t cancel your policy you will be assigned DUI auto insurance, or an SR-22 policy.  Once you receive DUI auto insurance you can submit proof of this policy to your state’s motor vehicle agency in order to get the suspension removed from your license.

You may find yourself in trouble if your insurance company does not offer DUI auto insurance.  In this case, your insurance provider may simply drop you.  However, there are some state laws that do not allow an insurance company to drop a client in the midst of a policy term, but each state is different and it depends on the state you live in.

If you do get your policy cancelled by your provider there are still other companies that will offer you DUI auto insurance.  There are big company names that will file DUI auto insurance for you in order to get your suspension lifted on your license, and enable you to drive again.  Definitely prepare yourself for higher rates on your policy, regardless of the company you are with.  Your DUI conviction can stay on your record between 5 years and your whole life, it all depends on the state of your residence, do don’t expect your insurance rates to decrease anytime soon.

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Filed under: Auto Insurance Articles

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