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After an arrest for driving under the influence, your thoughts may be racing. You need answers and stability and, in this article, we will give you some tips to help you adjust and protect yourself one step at a time.

1. What will happen to my auto insurance after my DUI arrest?
There are two routes your insurance provider may decide to take. One is raise your rates significantly or terminate your policy. 

If you policy is terminated, you have to switch to another insurance provider. It’s illegal to possess a registered vehicle without insurance on it. Those with a DUI charge must submit an SR-22 insurance form before buying an auto insurance policy. Once you submit your form, your insurance premiums will rise significantly.

2. Why are DUI insurance rats so costly?
Insurance companies identify DUI offenders as a significant risk to their car, other people, and themselves. To cover this potential risk, they have to charge a higher auto insurance premium.

3. How much can I expect my premium to increase?
Your premiums can go up by as much as three to five times over the cost of normal insurance after being charged with drunk driving or driving under the influence. Once three years have passed, your driving record be subject to review and your insurance premium may drop significantly in price.

4. How long will my DUI be on my record?
The length of time your DUI will be on your driving record depends on in which state you received the charge. In most states, after ten years the charge is removed from your record. Florida, however, leaves the mark on your record for 75 years and in Tennessee for life. 

DUI incidents are added to your criminal record as well as your driving record.

5. Can I reduce my Auto Insurance Premium?
By avoiding any traffic accidents or violations and keeping your driving record clean after the DUI charge, will reduce part of the cost of your premium.

For any other questions about your auto insurance after a DUI charge or how to lower your insurance premium, please call us at (800) 807-6871.

Posted 12:58 PM  View Comments

Tags: auto, dui
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