After a DUI conviction, getting an affordable car insurance rate will be much more difficult than it used to be. After your driver’s license is suspended following your arrest and conviction, if the DMV decides to reinstate it at all, you’ll have to find a way to acquire a car insurance policy again if you plan on driving in California or anywhere else in the US.
Finding a more affordable policy
Perhaps your former car insurance policy is still active, but the company is now charging an exorbitant amount, making it impossible for you to keep that policy. If so, then you’ll need to shop around to find a car insurance policy with a more reasonable rate. You’ll need to find a company that won’t dramatically increase your rate as a result of a DUI conviction. Some companies are more lenient than others.
Determining your new car insurance rate
Each company has different criteria that they use to determine the risk of insuring a driver who has a DUI on their record. Your rate will be based on a bunch of factors, one of which is your DUI conviction. Depending on the circumstances of your DUI, your risk as a driver, and your social and economic demographics, car insurance companies may raise your rates, require you to purchase “high risk” insurance, or cancel your coverage completely.
Form SR-22 Proof of Insurance
Anytime someone has a criminal offense on their record that could result in the revocation or suspension of their license, they’ll be required to provide a form called SR-22 Proof of Insurance to the California Department of Motor Vehicles. Either your car insurance company or you must provide this form for up to 3 years after your conviction.
Canceling a car insurance policy
If at any point you cancel your coverage or switch providers, the car insurance company will notify the state government so the police can arrest you as a DUI offender without an active car insurance policy.
Avoid a DUI conviction and increase in your car insurance rates
It’s clear that having a DUI conviction can dramatically affect your life in many ways, including your car insurance rates for years. Whenever possible, you should avoid having a DUI conviction on your record. The best way to prevent a DUI conviction in Southern California is by hiring top DUI defense attorney Dan Chambers to provide you with expert legal advice and representation throughout your case.
All prospective DUI clients are welcome to schedule a free consultation with Attorney Chambers today by calling 714-760-4088, emailing dchambers@clfca.com, or using the chat box below.
