A conviction for driving under the influence of alcohol is a serious charge that can have repercussions that go well beyond the realm of the law. Many individuals are unaware that a conviction for driving under the influence of alcohol or drugs can result in an increase in their monthly vehicle insurance premiums, despite the fact that the immediate penalty may include fines, license suspension, and even time spent in jail.
In this article, we will discuss the enormous impact that a DUI conviction can have on your auto insurance, as well as the steps that you may take to prevent the financial consequences that can result from such a conviction.
An Increase in the Monthly Insurance Premium
A conviction for driving under the influence of alcohol or drugs will almost certainly result in a considerable increase in the amount that you pay each month for your auto insurance. Insurance companies consider people with a DUI to be high-risk drivers, which means that you have a greater likelihood of making a claim on your policy. Many insurance companies will significantly raise your premiums in response to the perception of increased risk.
Exceptions to the SR-22 Requirement
Following a conviction for driving under the influence in several states, including Pennsylvania, you may be required to get a certificate of financial responsibility known as an SR-22. This is simply a guarantee that you have the necessary coverage to meet the criteria of the state from the insurance provider that you have chosen. Keeping an SR-22 on file can result in significantly higher costs for auto insurance.
The Cancellation of the Policy
After a conviction for driving under the influence, your insurance provider may choose to terminate your policy entirely. In the event that this occurs, it may be difficult for you to obtain coverage with other providers, and those that do offer coverage may charge you extravagant charges for their services.
Options With Restricted Insurance Coverage
Even if you are able to obtain coverage with a conviction for driving under the influence of alcohol, your options may be restricted to high-risk insurance companies. These insurers often provide more expensive insurance with fewer coverage options, giving you less bang for your buck in terms of protection.
The Effects on the Long-Term
A conviction for driving under the influence of alcohol or drugs can have long-term effects on one's finances, even if you are eligible for and complete the ARD program. When deciding your rate, insurance companies will normally look at your driving record going back three to five years at the very least. During this time, you should anticipate paying rates that are much higher than normal.
Enhanced Monitoring
It's possible that the insurance company you choose will require you to install a device in your car called an ignition interlock, which determines how much alcohol is in your blood before turning the engine on. There is an additional fee associated with this heightened level of surveillance.
Searching for Rates That Are Competitive:
Finding affordable insurance after a DUI conviction is not impossible, despite the fact that it may be difficult to do so. Be proactive in your search for the lowest possible prices by shopping around. Find insurance companies that cater to high-risk drivers, get multiple quotations from them, and choose the company that offers the best deal.
Courses in defensive driving .
The successful completion of a course in defensive driving or safe driving might, in some instances, result in lower insurance premiums. Check with your insurance provider to determine whether this is a choice that is available to you.
Preserving an Unblemished Reputation
Staying out of trouble with the law is the most effective strategy for mitigating the long-term effects of a DUI conviction on your auto insurance premiums. Be responsible behind the wheel and comply with any of the obligations that have been mandated by the court, such as any probation or alcohol education programs.
Conclusion
A conviction for driving under the influence of alcohol can have far-reaching implications, including a considerable impact on the rates you pay for vehicle insurance. However, despite the fact that the financial impact can be difficult, it is essential to keep in mind that the severity of these effects can be affected by the activities you take after a DUI conviction.
You can progressively work towards lessening the impact and recovering control of the costs associated with your vehicle insurance policy by looking for reasonable rates, completing defensive driving classes, and maintaining a clean driving record. Keep in mind that the safest and most certain ways to ensure that you have affordable coverage in the long run are to drive responsibly and to obey the law.
About Frank Walker Law
Attorney Frank Walker of Frank Walker Law is a National Top 100 Criminal Defense Lawyer, and Personal Injury Attorney who has been recognized as a Super Lawyer, a member of the National College for DUI Defense, Best Attorneys in America, Best Law firms of America, America’s Greatest Attorneys, and a Top AVVO Rated attorney, with offices in Pittsburgh Pennsylvania and Morgantown West Virginia.
Additionally, you can find Attorney Walker on YouTube, TikTok, the Pittsburgh Attorney Podcast and the West Virginia Attorney Podcast, where he gives legal tips (not advice!) and discusses the pressing legal issues of the day.
If you or someone you love are facing criminal charges or are seriously injured in an accident, contact Attorney Frank Walker immediately at 412-532-6805 (Pittsburgh), 304-413-0179 (Morgantown), 24 hours a day, 7 days a week for aggressive and experienced Criminal Defense or Representation in a Civil Case.