While you’re behind the wheel of a car, you can be financially protected through car insurance. Today, you are required to have it in virtually every state. A variety of factors can help determine how much your insurance will cost. One of the factors included is your driving record.
For anyone who has received a ticket and conviction for a DUI offense, the implications are many. One such consequence will involve their car insurance. Your rates will almost certainly go up if you are convicted of a DUI. In fact, more times than not, you will be canceled by your current insurance company and forced to retain a new insurance policy. “High risk” car insurance is something you may end up having to acquire after a DUI.
Additionally, to show proof of financial responsibility, you may be required to have SR-22 insurance coverage. This is applicable if, due to a DWI or DUI, your license was suspended.
Effects on Coverage and Costs
If, because of the DUI, your driver’s license was revoked or suspended, your insurer will very likely drop you. If not dropped immediately, when the time comes for a policy renewal, they simply will not offer the option. To get new coverage, you could have a very difficult time.
Though it is state dependent, for up to 10 years, your DUI conviction may stay on your driving record. In some states, that conviction will forever remain on your record, as long as you live.
If, on your record, you end up with a DUI, you can expect to pay far more for car insurance. Several factors will help determine how much more you pay. Some of these include the following:
- Driving history (speeding tickets, accidents, etc.).
- Since the DUI offense, how much time has passed.
- Your a
- All together, how many DWIs or DUIs are on your record.
- Was this a second DUI offense or more – or is it your first DUI offense?
- Risks for drivers with a DUI record are assessed differently by various insurance companies. It can all depend on your company.
It is crucial that, following a DUI conviction, you get new insurance coverage and it meets your state’s requirements/guidelines. As an example, for the following requirements, you could need to meet coverage:
- PD – property damage liability (typically $25,000)
- Bodily injury liability per accident (typically $50,000)
- BI – bodily injury liability per person (typically $25,000)
In some states, additional insurances may be required. (i.e., uninsured/UIM, PIP or personal injury protection insurance). A lender may expect you to have other insurance if you financed your vehicle (comprehensive and/or collision coverage, gap insurance, etc.).
You May Be Required to Have SR-22 Coverage
With a DUI conviction, when getting car insurance, you may be required to provide an SR-22 certificate in addition to liability coverage. For any accidents you may be involved in, the certificate essentially shows you can bear financial responsibility and serves as proof of minimum liability insurance coverage.
The SR-22 insurance isn’t required in every situation or in every state. You may need to have it if the general statements below apply to you:
- Your driver’s license has been revoked or suspended.
- On your driving record, you have numerous moving violations.
- You have been convicted of a DWI/DUI.
Jackson-Bibby Awareness Group Can Introduce You to Rehabilitation Sessions
In this time of the current coronavirus pandemic, the best way of promoting rehabilitation and conducting treatment is through DUI telehealth sessions. At Jackson-Bibby Awareness Group, we are offering these sessions, for a limited time only, conducted via an online platform. Once the pandemic is under control, sessions will resume in person.
Do you have questions? If so, please check out our FAQs.
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