Everybody makes mistakes, but they don’t need to define who you are. Once you’ve dealt with the DUI, court, any fines you have to pay the state, and losing your license, you may be ready to think about your auto insurance again.
After a DUI, your auto insurance policy may look a bit different. Here's what you need to know.
You May Lose Your Current Insurance
It’s up to the individual auto insurance provider, and they’re not all the same. If you get a cancellation notice, though, don’t be too surprised. They may deem you too much of a risk.
Your Rates May Increase Dramatically
If your insurance company doesn’t drop you, they’ll definitely raise your rates. You’re not automatically stuck with whatever your current insurer is providing. You can always go to another insurance company if they offer a lower rate.
You Can Shop Around
After a DUI, some insurance companies won’t write you a policy, others will require a specific “high risk” policy, and even more will simply charge higher rates. You don’t have to take the first thing you’re offered. Request multiple quotes and take a look at all of your options.
You’ll Have to Submit an SR-22 Proof of Insurance
You can do this or your insurance agent can do it for you, but the SR-22 has to be submitted to the state, through the department of motor vehicles. This will verify that you have valid liability insurance coverage, at least the minimum required by the state.
You Won’t Always Have to Pay Higher Prices
When you get back on the road, don’t make any major mistakes - like another DUI - and in a few years, you’ll see your premiums come back down to normal. Obey all traffic laws, drive a little slower, and always call a cab or get a designated driver to keep yourself on the right side of the law.
Getting caught driving under the influence doesn’t mean that you’ll never be able to drive again or that no company will ever sell you auto insurance again. But it is important to be realistic about what you’ll face when you’re ready and able to get back on the road. Be patient. Take your time looking for insurance coverage you can afford. And stay out of trouble from now on. This will pass, and eventually it’ll be nothing but a bad memory.
If you’ve got a DUI and need insurance, contact us at Charlotte Insurance. We can help you find coverage to get you back on the road.