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What Happens To Car Insurance Rates After A DUI
If you’ve been charged with driving under the influence (DUI) or driving while intoxicated(DWI), you no doubt have a lot of questions. What’s the difference between a DUI and DWI? What happens after a DUI arrest? Do you have rights, and how can you protect them? What would happen if the judge passes down your punishment which could include fines, loss of license, house arrest, community service, alcohol education classes, and more. Normally if it’s your first offense, you may be forgiven but it will definitely go into your driving records and have some impact on your ability to get insurance.
When you go in to get SR22 insurance after you have received a DUI charge, your insurance company may consider you as a “high risk” driver, meaning that they may have to tread cautiously with you because the nature of your experience and charges that have been laid against you will obviously affect the policy that they can offer you for your car. Most car insurance rates after a DUI are way higher than those that are charged for people who do not have a previous DUI charge. The price is determined by a number of factors such as your age, your driving experience, any previous driving offenses or charges committed and so on. If you are found to have a number of ‘risks’, the insurance company may opt to charge you a higher premium price for your car insurance, this will mean that you will pay more than a person in your same class criteria without the DUI would pay. It is always good to do a search and find out what the average prices on the market will be since you are looking mainly at this stage.
To start the process, if your license has been suspended due to the DUI charge, you will need to familiarize yourself with the SR22 form filing process which is essentially a form that you have to fill in and take to your Department of Motor Vehicles (DMV) so that you will be able to go with some kind of insurance all the time. Most states require all drivers and owners of vehicles to have some insurance on the car and themselves that covers all the necessary charges should any arise. The SR22 form will have you covered even when your insurance policy has lapsed and can help you prevent yourself from losing your license the second time around for not having valid insurance cover. While, having the SR22 form can be a simple way to have your license either given back or have a clear statement that you can take with you when you go to an auto insurance company, when you go into to apply for auto insurance after a DUI, your insurance company may need to know that you have this filing already.
There are some other things that you will need to have in place so that you can ensure that you are well prepared for the DUI car insurance company, you will have to find out if the insurance company has any policies that support the SR22 insurance, because not all companies do support it. The application process for getting auto insurance after a DUI is very unlike that of getting insurance without a DUI, it takes time and sometimes if you had a previous auto car insurance policy that was cancelled, you may not be able to get another insurance policy.
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DUI, SR22, And NEW Insurance Premiums
After being convicted of driving under the influence (DUI) your clean driving record goes down the drain. When someone is charged with driving under the influence DUI, the first thing they usually want to know is what will happen after being arrested for DUI. And if this is you, you’re probably not only thinking about what will happen in the next coming days and months, but what will happen right at the scene where you were stopped. After all, being charged with DUI is not really being arrested, yet the police officers can’t really let you drive away either. And of course, once you’ve sorted out what’s happened at the scene, your next thought is probably going to be whether you’re going to face jail time.
Your driver’s license will be suspended immediately after an arrest and you no longer possess the perfect driving record. Most states require some proof of coverage before restoring full driving privileges to those who have been convicted of DUI, driving a car under the influence. In these cases, an SR22 form meets that requirement by stating to the local Department of Motor Vehicle (DMV) that the DUI offender has at least minimum insurance coverage. When the car insurance provider submits the certification to the DMV, any driving suspension is removed. Should this person subsequently cancel his policy or let it lapse after he has obtained an SR22 insurance, the insurer is obligated to inform the DMV of the updated status. In most cases, the driving privileges are then revoked.
An SR22 insurance is required in most states and in almost all cases where a person was operating a motor vehicle while under the influence, DUI, even if that person had car insurance coverage. In cases not involving a DUI, the person may still have to submit a SR22 insurance if he had no proof of insurance at the time the he was pulled over for DUI. This is especially true if the driver was at fault for an accident. The SR22 insurance does not exempt anyone for any fines incurred for driving without proof of car insurance. Check our instant online SR22 quotes for the best SR22 insurance quotes to make a wise decision for your future.
If you had coverage at the time of a DUI offense, the insurer may respond in one of two ways: either raise your premiums due to an increasing point count or cancel the policy entirely. A cancellation will automatically be a demerit on your history and you will then be considered a “high-risk” driver. Subsequent insurers will require higher premiums because of this designation and the DUI. In some states, an insurer is prohibited from cancelling a policy before its term has expired. Drivers should check with their state’s DUI laws to determine if they have similar pre-cancellation protections to avoid this mark on their credit history.
Depending on state law or DUI, a driver’s car insurance status may be affected for a minimum of three years for a first driving conviction like a DUI. The time lengthens with every subsequent conviction. In some states, if injuries resulted from the DUI, penalties are increased, especially in cases involving a child. These enhanced DUI penalties also apply to drivers under the age of 21 or whose blood alcohol levels exceeded a statutory limit.