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How Does a DUI or DWI Affect Your Car Insurance?

How Does a DUI or DWI Affect Your Car Insurance

How Does a DUI or DWI Affect Your Car Insurance?

Driving under the influence is the result of consuming alcohol, recreational drugs, or prescription/over-the-counter medications that cause you to become incapacitated or inebriated. Paint thinner and glue are also substances that could result in intoxication if used in areas that are not well-ventilated. Even a small amount of drugs or alcohol can have an impact on your reaction time. This can result in a DUI/DWI on your driving record that will have a devastating impact on your future for several years.

DUI/DWI and Your Driving Record

Receiving a DUI/DWI will cause a chain reaction that will affect your driving record for many years to come. First and foremost, you will lose your license. Second, your fees and fines will be extremely high. Every state is different when it comes to the penalties for a DUI/DWI. In most cases, you will lose your license for a specific amount of time. You will also be required to pay court expenses and other legal fees. Besides, you may be required to take a defensive driving course to get your license back. The more DUI/DWIs you receive, the harsher your penalties will be. Each state is different and will require different steps when it comes to getting your license back.

How Does a DUI/DWI Affect Your Costs and Coverage?

A DUI/DWI will directly impact your insurance coverage. As soon as your driver’s license is revoked or suspended, your insurance company has the option to increase your premiums or simply cancel your policy. If this happens, you may not be able to get coverage in the future. If you do find a company that is willing to accept you as high-risk, your monthly premiums will be much higher than what you had been paying prior to your conviction. Your driving record from before the DUI will speak volumes in helping you keep your insurance.

Is an SR-22 Required?

An SR-22 is normally required for you to get your driver’s license reinstated if you have been convicted of a DUI/DWI. Not all states require an SR-22. States that do require the SR-22 certificate do so to ensure you are capable of bearing the financial responsibility of an accident. The SR-22 goes above simple liability coverage and ensures that you have the required amount to meet your state’s minimum insurance requirements.

Saving Money on Insurance After You Receive a DUI

After receiving a DUI, there are a few things you can do to keep your premiums manageable. Shop around and find out what rates are available from different providers. This will take some research in order to find a policy that will accept your DUI conviction. If you have complied with all of the court’s demands and successfully completed a defensive/safe driving program, you may be eligible for discounts or reduced premiums. The longer you go without any further citations, the more discounts you may be eligible for. Working with your insurance company is the best way to monitor your progress when trying to sustain a viable auto insurance policy.

When you are convicted of a DUI or DWI, expect to have a few difficulties when it comes to finding a good auto insurance policy that meets your needs. At Remland Insurance Services, our agents can provide you with the coverage you need at a manageable price. Contact us today to find out how we can help you get the coverage you need as you work your way through a difficult situation. Receiving a DUI/DWI is a stressful event. Having the right insurance agent will help you make it through and keep you moving forward.

COVID-19

The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
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