DUI's are very serious; they are also embarrassing and expensive. After you deal with paying for a suspended license, court costs, and attorney fees, there are still people waiting in line to get a crack at your wallet too, the insurance companies. While those expenses are extreme and took a good chunk of your finances, the worst is still yet to come.
The insurance company always finds out about DUI's, at which time they may outright cancel your policy or raise your rates so high that you may have wished they just cancelled your policy. Being a "high risk" driver makes you possibly even be uninsurable but bank that the label will follow you around for quite some time. Very rarely, your DUI can get caught up in the red tape and fail to surface for a while but it usually does surface at some point.
The most trusted insurance companies won't touch you for coverage so you will likely be stuck with some small no name insurance agency that will charge you an arm and a leg for your coverage. States determine how long the DUI will remain in your record but it could stay there for the rest of your life in some states.
Every state has authorization over DUI laws and car insurance coverage. The majority of states request that those with a DUI conviction obtain a form SR-22 from their insurance company, which guarantees that your insurance agent knows about your DUI. The form is required to prove to the DMV that you were able to get coverage to drive before they will waive your suspension.
In the event that your coverage were to slip, your insurance company will alert the DMV. After a DUI, you can expect your current premiums to possibly even double-if your carrier even renews your policy.
There is not anything that controls the amount that they are permitted to charge you for your insurance premiums consequently, you will be a sitting duck for insurance companies. It is extremely important that you never drive while you are intoxicated or impaired. One irresponsible decision can be a thorn in your side for years to come.
The insurance company always finds out about DUI's, at which time they may outright cancel your policy or raise your rates so high that you may have wished they just cancelled your policy. Being a "high risk" driver makes you possibly even be uninsurable but bank that the label will follow you around for quite some time. Very rarely, your DUI can get caught up in the red tape and fail to surface for a while but it usually does surface at some point.
The most trusted insurance companies won't touch you for coverage so you will likely be stuck with some small no name insurance agency that will charge you an arm and a leg for your coverage. States determine how long the DUI will remain in your record but it could stay there for the rest of your life in some states.
Every state has authorization over DUI laws and car insurance coverage. The majority of states request that those with a DUI conviction obtain a form SR-22 from their insurance company, which guarantees that your insurance agent knows about your DUI. The form is required to prove to the DMV that you were able to get coverage to drive before they will waive your suspension.
In the event that your coverage were to slip, your insurance company will alert the DMV. After a DUI, you can expect your current premiums to possibly even double-if your carrier even renews your policy.
There is not anything that controls the amount that they are permitted to charge you for your insurance premiums consequently, you will be a sitting duck for insurance companies. It is extremely important that you never drive while you are intoxicated or impaired. One irresponsible decision can be a thorn in your side for years to come.
About the Author:
Learn more here: Safe Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba is a financial expert.
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