DUI and Insurance

When someone is charged with Driving Under the Influence (DUI), the consequences can become expensive. Not only are there financial penalties and fines associated with DUI charges through both the courts and the Department of Motor Vehicles (DMV), but there are also repercussions for a driver’s auto insurance rates. If you or a loved one is facing DUI charges, the professional team at the Law Offices of Pat Brown can help you understand how your DUI may impact your insurance.

How Do Insurance Companies Find Out About DUIs?

Although your insurance company isn’t notified by the court or the DMV when you’re charged with a DUI, you can be sure that they will find out about it. Before your insurance company renews your annual auto policy, they’ll check your driving record or MVR (Motor Vehicle Report), where your DUI charge will appear. This means that depending on when your policy is renewed or how often your insurance company checks your driving record, they may become aware of the charges in just a few days or after many months. Being upfront with your insurance company and alerting them of your DUI yourself may work in your favor to decrease the likelihood of them refusing to renew your policy, forcing you to look for high-risk coverage through another insurance provider. 

How Long Will a DUI Affect Insurance Rates?

Assuming a driving record stays clean aside from the DUI charge, drivers can expect a DUI to affect their insurance rates for at least 3-5 years after the incident. Insurance rates can increase significantly after a DUI, and can be even more drastic if combined with incidents such as accidents or speeding tickets. Drivers who find themselves paying much higher rates after their DUI charges should ask their insurance company to reassess their rates after the 3-5 year period to see if they can return to paying a lower rate.

The Law Offices of Pat Brown Is on Your Side

The financial impact of a DUI on your life can be significant, which is why it’s crucial to have an experienced attorney fighting your DUI charges from day one. The team at the Law Offices of Pat Brown has the expertise to tackle your DUI case and the passion to get you the best results possible. If you’re concerned about how your DUI charges are going to affect your life, along with your insurance, contact us today for your free case evaluation. With our professional team on your side, you’ll never have to go it alone.