Yes, insurance companies will eventually find out if you had a drunk driving or DUI violation. This is because the US federal and state laws prohibit drunk driving or driving under the influence of certain substances and places the financial responsibility on every driver. This is where your auto insurance will share a part of the financial loss if you happen to get involved in an accident. If you break this law you may land in jail, pay huge fine and your insurer will cancel your policy or increase the rate dramatically, sometimes by 400%.
When you are found guilty of DUI, your driver’s license will be suspended by the Department of Motor Vehicles DMV. Typically your will be required to file SR22 with the DMV to revoke the suspension. SR22 is a certificate issued by your insurer in proof of your carrying liability insurance. DMV requires SR22 form as the department wants to keep erring drivers away from the roads to prevent accidents and to save lives and property. No other proof of carrying insurance is acceptable by the DMV. So you have no other choice but approach your insurance company for SR22 filing. Thus your insurance company will ultimately find out about your drunken driving violation.
When you are convicted of drunk driving which is considered as a criminal offense in most states, it gets into your driving records. A copy of this citation will be sent by the DMV to your insurance company. So there is no way you can escape the possibility of your insurance company finding out about your DUI violation.
At the time of providing a new auto insurance policy or at the time of renewal the insurance companies check your driving credentials and you will definitely be caught with DUI violation as it is in your driving records. The usual auto insurance renewal time is either once in six months or every year. If they find out, they will refuse to insure your or renew your policy. Some insurance companies may increase the rate of your auto insurance manifold. The rate increase is due to the higher financial risk the insurer takes when providing cover to a ‘high risk’ driver as a result of the DUI violation.
It is imminent that your insurance companies both the present and new, will eventually find out if you have a DUI violation.