There are several driving offenses that can have a negative effect on your record and raise your rates, being convicted of drunk driving is one such offence. One instance of drunk driving can make your premiums increase for a minimum of three years, even if your record was clear before hand, and you have no further incidents later.
Drunk Driving By State
Dui laws differ in every state, but one thing in common is the temporary suspension of driving privileges.
On a person’s initial offence, aside from being fined, they will have to face alcohol counseling as well as have their license prohibited for a minimum of 30 days.
Your car insurance during that time will remain in effect, but once you are able to drive, you will have to get additional liability coverage.
Any driver with a high instance of tickets, or negative notations on their driving record, such as a DUI, is considered by the insurance issuers to be a high risk client. Even if you were offered discounts based on a previous good driving record, your DUI will essentially wipe out any positive marks you may have earned.
Typically, your rates will double, in some states where the driving population is higher, or the laws more lax, your rate could increase as much as three times the normal rate. There are places that cater to high risk clients; however, they don’t operate in every state.
In addition, not all companies will insure drivers with drinking on their record, if you receive a notice from your current company that they are cancelling your policy, you usually have until the next payment cycle to secure new insurance and avoid a lapse in coverage.
When your insurance history shows that you have been cancelled, this is often a red flag to new companies and they will charger higher premiums as a result. There are some states that don’t allow cancellations of paid up policies, but the insurer does have the right not to renew your policy.
How Long Do Negative Driving Records Last?
In general, A Dui will stay on your record for three years. The time increase with each additional DUI infraction, in cases where there is bodily harm, you were underage, or your amount consumed was very high, the term of the negative record could also be much longer.
If you want to keep driving, there is no way to avoid paying a higher premium due to a DUI conviction. If you choose to surrender your license, then you won’t have to pay for insurance at all.
In cases where you don’t own a car of your own, but want to have full driving privileges, you will need to purchase personal insurance with extra liability coverage to assure that any car you drive will be covered in the event of an accident
The best rule to follow is to take a cab or have a friend drive if you plan to enjoy yourself with alcohol or other intoxicating substances.