How a DUI Conviction Affects Your Insurance
A DUI conviction can affect many facets of your life. One of the first penalties that people who are facing DUI charges think of is the effect a conviction will have on their auto insurance.
Long-term effects of a DUI
There is a small chance that your auto insurance company will not find out about your DUI. Many companies only check your driving record once every few years, or when you apply for a different policy.
However, more likely than not, your insurance company will discover your DUI. A DUI conviction could have the following effects on your insurance:
- Your rates will significantly increase
- The company will cancel your policy
If the company keeps your policy, you will probably be marked as a high-risk driver and your monthly premiums will go up significantly. In this scenario, the company is usually required by state law to provide an SR-22 Proof of Insurance certificate.
This form serves as the following:
- Proof to the Department of Motor Vehicles (DMV) that you have liability insurance
- Cancellation of your license suspension
However, not all companies provide SR-22 forms, and might terminate your coverage
How to find a new insurance company after a DUI
If your insurance policy is cancelled or non-renewed, do not give up hope. Some well-known companies as well as smaller operations can give you the SR-22 form so that your license can be reinstated.
Your best option is to search for a new company through an independent agent who works with a wide variety of companies.
In Southwest Florida, another important step to take after being convicted of a DWI or DUI is to consult a Clearwater DUI lawyer. An attorney can help identify legal loopholes regarding insurance that you might not be able to detect on your own.
The Clearwater DUI attorneys at the Law Offices of Kantaras & Andreopoulos work hard to protect the rights of their clients and ensure that they receive fair treatment by the legal system. With years of experience navigating Florida DUI and DWI laws
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