How a DUI Conviction Affects One's Car Insurance



Posted: Saturday, October 03, 2009

by Paul Taylor King

If a person has a dui conviction, he immediately inherits a number of problems in his life. First and foremost, he places his life at risk. If a person has a dui conviction, he immediately inherits a number of problems in his life. First and foremost, he places his life at risk. Driving under the influence of alcohol or prohibited drugs will make a person unfit to operate a vehicle responsibly. This may have catastrophic consequences on his life and the lives of his passengers. Second, he risks losing his license serving some years in jail. Third, he risks paying for any damage he may cause. There is that possibility of injuring pedestrians and bystanders. There is also the possibility of paying for any damages on the road, sidewalk, or any building which may be caused by any accidents brought about by drunk driving. Fourth - and most people do not know - is that DUI can have an effect on a person's car insurance.

Most typically, a dui conviction will cause the premiums of one's insurance to increase. Sometimes the increase can be considerably high. Most of the time also, this conviction can cause insurance companies to totally drop you from their coverage. This will make it difficult for you to enroll for another car insurance. One factor is important here: the number of times the person has been convicted of dui. If you are in your late forties, you get a dui, but you have no driving tickets or history in bad driving, your conviction may not affect you that much. However, if you are in your twenties, and you have had a few tickets and a bad history of driving, then it may be a little hard for you to get a new insurance coverage. Insurance companies can really cancel your car's policy. Some companies will issue a receipt of an SR-22 from. This form serves as evidence that the driver has an active insurance policy. This form also requires the insurance company to inform the Department of Motor Vehicles immediately if the policy lapses.

Most car insurance companies will normally keep the rates high for a significant period of time. The time greatly varies among states. It can be as short as 2 years, as in Michigan. Or, it can be as long as 55 years, in Wisconsin. Insurance companies can even raise the rates of the policy years after the incident happened. Dui conviction has a lot of consequences. It can be a huge and daunting task to attend to all these consequences, but if a person is most willing to learn from the mistake, it should not be a problem.

To learn more about DUI Penalties, DUI Conviction and much more, simply click on the links or visit DUIpenaltiesFAQ.com.

This Article has been viewed 155 times. (Not updated in real-time.)
Top-level comments on this article: (1 total)
» left by Scott Kepner
 2 years 80 days ago.
Each year when the insurance companies review client rates they look at that clients potential risk factor in determining the rates for the coming year. A younger person's risk factor is always going to be higher than someone in their late forties.
We want your comments! If you can read this, you don't have javascript enabled, so you can't use this comment system. Please enable javascript.