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CAR INSURANCE AFTER A DUI

Does a DUI CONVICTION EFFECT YOUR CAR INSURANCE? 

 

Auto insurance companies may check your driving record once every three years or when you apply for a new policy. Some records of accidents, tickets and DUIs may never make their way to your official  vehicle record and are not picked up under a normal record check.  If your insurer does discover your DUI you could earn the classification of a "high-risk driver."  If that happens, shopping around at renewal time is the best strategy, as rates will vary greatly among auto insurers.

 

A rate hike may be the least of your problems after a DUI conviction.  Your policy could be cancelled or non-renewed.  If your policy is cancelled, you'll be forced to look for new car insurance with a DUI and a a cancellation on your record! 

 

Laws regarding insurance requirements following a DUI are different for each state.   Most states will require that you file proof of insurance in the form of an SR-22.  This form must be provided by your insurance company so there is no way to keep your conviction a secret.  This form proves to the BMV/DMV that you carry liability insurance and is necessary in order to end your license suspension.   An SR-22 also requires your insurance company to notify your state‚Äôs department of motor vehicles (BMV/DMV) if it cancels your auto insurance for any reason. In most cases, you will have to maintain this proof of insurance for three years, and in some states it will be for five years. 

Not all car insurance companies offer SR-22 policies.  If the company that you are using at the time of the conviction does not, you will have to go to a new company. 

SR-22 insurance

Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require SR-22s, but if you have an SR-22 and then move to one of these states, you must continue to meet the requirements of the SR-22 state where the offense was committed.

New York and North Carolina don't require SR-22 filings at all.

In some states there is a fee for SR-22s

Source: Progressive

If you are insured by State Farm Mutual Insurance Co. and receive a DUI, State Farm will likely move you into State Farm Fire & Casualty, which is its standard-policy company for riskier drivers and higher rates

If you're with Progressive, you will not face non-renewal or cancellation because of a DUI, but you may face a rate increase. Progressive also reviews rates on a case-by-case basis, with multiple factors such as age, gender, driving history and your vehicle model going into your rate

It doesn't end there. Your DUI conviction will follow you if you apply for life insurance and could affect your premiums there, too. 

Proof Of Insurance

Under Ohio law, reinstatement of driving privileges after a DUI conviction or suspension requires, among other things, filing "proof of insurance" (the "SR-22" form) with the Bureau of Motor Vehicles or BMV. For more information directly from the bureau, Click HERE

Avoiding Problem Insurers
Check the ranking of insurance companies with the Ohio Department of Insurance by the number of consumer complaints received.


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