Dealing with a DUI conviction can be frustrating in many aspects of
ones life. Not only are they costly to deal with in the court system,
they can continue to cost you money with your car insurance companies
for many years to come.
Insurance companies typically check an existing customers driving
record once every year. When shopping around for new policies a
consumer can expect to have their motor vehicle record checked before
the insurance company issues a policy estimate. An insurance company
finding out about a DUI conviction will cause a change in coverage,
which will almost always lead to more expensive premiums. These
premiums go up due to the fact that a DUI conviction shows insurance
companies that you are a dangerous driver, therefore they see you as a
bigger risk. It is also possible that your insurance company could drop
you from your policy. This is bad in a number of ways. Getting dropped
from a policy results in a dropped policy then being placed on your
driving record. Having that dropped policy information on your record
is something that other insurance companies will look at negatively. It
is best to shop around for another car insurance carrier before getting
dropped by your current company to prevent that negative showing on
your record. If your insurance company does keep you on their policy,
your rates can go up by hundreds of dollars.
The best way to deal with a DUI and your insurance company is to make
sure that your insurance carrier never sees the DUI on your driving
history record. Working with the court system to find out ways to keep
the DUI off your history is worth the time and money in the long run.
Some states offer driving schools to DUI offenders as an option to keep
the DUI from showing up, as well as to teach drivers the importance of
safety and responsibility.
A DUI conviction is an expensive issue that, unfortunately, many people
deal with. Taking the steps to ensure that your insurance carrier never
finds out about the offense is the best way to keep cost down in the