How A DUI Impacts Your Insurance

Being pulled over for a DUI requires that you call a DUI defense attorney immediately. However, if you are convicted of a DUI, there are several repercussions ranging from losing our license, breathalyzer installation. Yet, one thing that many are not prepared for is how immensely your car insurance will be impacted by this conviction.

Most states require to fill out a form known as an SR-22 with the state’s Department of Motor Vehicles. This form gets sent to your insurance. They then usually classify you as a high-risk driver or chose to drop you completely, even if you have no prior accidents or anything else on your driving record. When you are moved to a high-risk policy, insurance can double sometimes triple its rates.

Depending on what state that you live in, a DUI can stay on your driving record from 3 to 7 years making switching auto policies almost impossible. Keep in mind the infraction will stay on your criminal record forever.

In the event that you get into an accident while you are driving under the influence, you can be dropped from the policy as well. It depends on which liability coverage you had but most insurance companies believe that DUI is intentional not accident and are probably not even covered under your insurance.