What does a DUI conviction do to your insurance?
By: Mary Ann Pekara
While many DUI penalties are immediate, like the loss of driver's license, installation of an ignition interlock device, serving jail time or paying fines, some consequences of a DUI will affect you over time. If you are convicted, some state DUI laws may require that you carry high-risk insurance.
Although the laws differ in each state, many typically require that people with DUI convictions carry DUI insurance for one to three years - even if you don't drive a car.
DUI Insurance: What is SR-22?
After a DUI conviction, you may be concerned that you will not be able to find automobile insurance or that your rates will skyrocket; however, many states have provisions that help drivers obtain proof of insurance by registering with a state-approved insurance agency. This proof of insurance is known as SR-22.
SR-22 Insurance: How does it help you?
Certain state-approved insurance companies offer SR-22 insurance, which covers a set amount of liability, and is usually more expensive than normal insurance coverage. This DUI insurance option may be an essential aid in getting you back on the road and recovering you life after a DUI conviction.
SR-22 Insurance: How much will it cost you?
Unfortunately, SR-22 insurance generally comes with a high price. The cost for DUI insurance is on top of your previous auto insurance rates. This could potentially add up to double the auto insurance rates you are used to paying.
Even after you have carried DUI insurance for the required period, your auto insurance rates do not go down. Insurance companies will likely dramatically increase your policy rates, much like they do when you have a traffic violation or accident. Despite the seemingly staggering costs, you can shop around for the best price on SR-22 insurance coverage.
SR-22 Insurance: How can a DUI lawyer help you?
If you are facing a DUI conviction and the possibility of getting DUI insurance, talk to a DUI lawyer about SR-22 insurance requirements in your state, starting the process of getting your license restored and getting back on the road with DUI insurance.
Total DUI can help you find an attorney in your area - simply fill out our free DUI case evaluation, and we'll put you in contact with a local DUI lawyer who can evaluate your case and answer your questions about the consequences of a DUI conviction.