A DUI arrest and conviction is a big deal. Besides paying your price to society after the conviction, you may also have several other repercussions to deal with. One of these is a higher insurance premium if you have not lost your driving privilege, that is.
Of course, your car insurance provider may not terminate or increase your premium midterm following your DUI conviction. But that is how far the good news goes. Because once your contract runs out, your drunk driving conviction will certainly prompt your carrier to reconsider doing business with you.
So what happens to your auto insurance after a DUI conviction?
Before agreeing to insure your car, the insurance company will review your risk level based on a number of factors such as the type of car you are insuring, your age, traffic offenses as well as any DUI convictions on your record. Thus, depending on the severity of your DUI offense, your insurance carrier may make one of these decisions if you are convicted:
- Classify you as a high-risk client and review your premiums upwards, or
- Refuse to renew your policy altogether
Even if you do not tell your insurance provider about your conviction, they will still learn about it while renewing your policy or if you need to obtain an SR-22 certificate.
And what is an SR-22 certificate?
Most often, a DUI conviction will result in the suspension of your driver’s license. In order to get their driving privileges back, you will be required to obtain an SR-22 certificate from the DMV. This certificate basically proves that you are financially responsible. This is a major requirement following a DUI conviction and you will be required to have it for 3 years from the date of your conviction.
There is more to a DUI conviction than the fines, the suspension of your driver’s license and the possible jail time. If you are charged with driving under the influence, it is important that you take proactive steps to safeguard your rights and interests.