Driving Under the Influence and Your Car Insurance

Almost everywhere, a convicted of Driving under the influence faces severe consequences in terms of penalties, fines, imprisonment, restriction on driving license and either cancellation or heavy increase in premium of the car insurance.

Insurance companies see a DUI conviction as a case of risking one’s own as well as many others lives. Insurance companies have got serious set of rules and act expeditiously. If your insurance company finds you a convict for DUI, they consider you as a high risk driver. In all likelihood, your policy may be cancelled or prohibited from renewal. However, a heavy hike in premium rate may be better news for a convict of DIU as this is least damage that could happen to your car insurance. In case of cancellation, you'll need to check for new car insurance but remember that would be a dual impact in terms of cost of new insurance and poor record as driving under the influence.
 
In US, most the states, as a law require a form called SR-22 from DUI convicts which is to be obtained from their car insurance provider. This form can help in removing driving license from getting suspended as this proves the liability that you carry insurance. But the department of motor vehicle authority may ask to you submit insurance proof for three to five times.
 
If you are lucky and live at a location where SR-22 submission is not required, your insurance company may never know about your conviction for DUI. However, possibilities cannot be denied that your insurance company discovers your DIU conviction after some period and may still raise premium rates.
 
As a counter measure to this, searching a new car insurance company at the time of renewal is advised mostly. Also, another best way is to buy car insurance from a company which is proficiently familiar with the laws as per localities.




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