How Does a
DUI Conviction Have an Effect on Your Car Insurance?
When you get a DUI
(driving under the influence), the initial
conviction and its associated fines, fees and other penalties may be
just the tip of the iceberg in terms of how much you're going to have
to pay. Why? Because that DUI conviction
reported to your insurance company, who can then either revoke your
policy altogether -
or raise your rates so exorbitantly that you simply can't afford it
anymore. Under some circumstances, you might get lucky and your DUI
might avoid detection for some time. In most states, though, there's
just no getting around the issue: you're going to have to pay higher
car insurance premiums for a long, long time.
Conviction - The real catch-22
most states, your license is immediately suspended upon receiving a
DUI. In order to get your license back, many of these states require
you to obtain something called an S-22 form from your car insurance
company. In doing so, you are alerting your insurance company about
your DUI conviction. They, in turn, raise your rates or stop extending
you a policy altogether. There is no getting around this situation,
either; to get a legal driver's license in hand again, you must get an
S-22 form. To get an S-22 form, you must communicate the fact of your
DUI to yor insurance company. It's a real catch-22.
Conviction - Your Luck?
you are very lucky and live in a state that does not require an S-22
form to have your driver's license reinstated, you might be able to
hide the DUI conviction
insurance company for some time.
However, if you need to buy a new car at some point, the insurance
company will most likely run your driving record - when they do that,
your DUI will appear. From there, they can easily choose to raise your
rates, since you'll then be considered to be a high insurance risk.
There's no doubt about it: a DUI can cost you a lot of money for a very