What Happens To Car Insurance After DUI?
Reader’s Question:
A few weeks ago, I was charged with DUI here in Georgia. I believe it was just a minor DUI offense but I wonder, what is the worst things that could happen to my car insurance premiums?
Owen
Roswell, GA
In general, the recognized effects of DUI conviction for people are restricted to driver’s license suspension, incarceration, fines, psychological training and mandatory community service. But the costs of DUI do not end there as there could be other consequences waiting for the DUI driver. In fact, car insurance will be greatly affected by a DUI conviction. This is an important matter that the DUI driver and car insurance companies handle. If a driver gets convicted for DUI, it will sooner or later be reported to the car insurance provider.
Whatever DUI violation committed has huge effects on your car insurance. A DUI conviction can cause your car insurance provider in Georgia to increase your premiums. This is because you will be regarded as a high risk driver so the cost of DUI car insurance is going to be excessive. Even after your DUI records are cleared, car insurance providers could go on charging you higher premiums.
Your car insurance policy can also be canceled by your insurer especially if they do not offer SR22 which is going to be required on your DUI car insurance. Also, in case you get a DUI conviction and you did not have car insurance at the time you committed the offense, you will discover it will be really hard for you to find competitive car insurance in Georgia. After the fact, you have to show the car insurance providers that you’re responsible enough to drive, and a DUI will hinder your efforts.
If you do not want to have these kinds of troubles on your car insurance, follow all of the traffic regulations. You can always seek help from a DUI attorney in case you find yourself in this situation. For sure, a DUI conviction will not only ruin your clean driving record but also the safety of your vehicle.
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