How can DUI Car Insurance help You Avert the Consequences of DUI Violation?

DUI or driving under the influence is an offensive act. If you are ever convicted of a DUI case, you will have to suffer consequences, humiliating as well as expensive. Apart from attorney fees, fines and license suspension, it may affect you with such long-term consequences as negative impact on the car insurance rates and coverage. If your insurer finds you guilty of driving under the influence of alcohol or drug, it will treat you adversely. You may be tagged as a “high-risk driver” and your insurance premiums will be raised. As a worse consequence, your insurance policy can be canceled. DUI car insurance can help you out in such cases.

Laws to deal with DUIs vary from state to state. In many states, the DUI offenders are required to obtain an SR-22 from their car insurance providers. It is a proof of your insurance certificate and it can slim down chances for the suspension of your license. It convinces the state about your being insured. DUI car insurance bears evidence to the fact of your being insured.

The SR-22 form makes it clear to the DMV that you have the liability insurance. It will notify the DMV or the department of motor vehicles about the need to remove your license cancellation. Some car insurance providers do not provide SR-22 policies. In this case, your insurance policy may not be renewed. There are chances of its cancellation. Your driving records may undergo a check by insurance companies. It is not unusual that with a non-standard company, your premium may go triple. With DUI car insurance you avert such a consequence.

Despite the non-renewal or cancellation of your policy, you can be able to get insurance on strength of DUI car insurance. Your rates may be higher for your driving record remains stained with the DUI violation for five years or more. The length of the period depends on the state where you live in. Find an independent agent working with several insurance companies and get a new auto insurance.