« Your Child Living Environment and Drunk Driving

After a DWI: Car Insurance

July 12, 2010
Author: Chris M. Alexander

It is a serious offense to drive under the influence of alcohol or drugs. The consequences of DWI are humiliating and expensive. Apart from the penalties like fines, license suspension, attorney fees, there are long-term effects, like car insurance premiums being increased. If you have been convicted for DUI, your insurance company will deal with you in a stricter way. The annual insurance rates will go up or your policy may be cancelled. In most cases, your insurance company will raise your insurance and keep you insured but you will be counted as a high-risk driver. However, a proof of insurance certificate will remove your license suspension by providing the state with proof that you are insured.

If your car insurance is cancelled, you have the opportunity to find insurance from other companies. They will file the insurance for you so that your license is reinstated. It is obvious that your insurance rates will be higher because of your DWI violation. After DWI, when you are searching for a new insurance coverage, it is advisable to proceed through an independent agent that has association with many different insurance companies.

Auto Insurance after DWI

It is challenging to obtain an affordable insurance after you have committed a DWI. It is true that you need reliable car auto insurance more than ever after you have been convicted for a DWI. There are insurance companies that calculate the premiums concentrating on the risk factors associated with your car like car loss, causing a collision, etc. The auto insurance rates are also figured on the basis of your geographic location, driving record, accidents, tickets and DWI or DUI.

Filing for Insurance after DWI

After a DWI, filing an SR-22 form sends a report to your insurance company about your drunk driving arrest. The SR-22 is a formal proof of insurance certificate that is required only by DWI drivers. So, you need to consult with experienced insurance providers as the process is involved.

As the insurance rates are an important factor of your car insurance, it is advisable to go for an authorized person who can help you out in getting your care insurance after you have been convicted of DWI. An experienced insurance provider can give you ideas on how to make your insurance rates as low as possible. Also, if your case is fought by an experienced DWI attorney, the attorney will fight the consequences of DWI offense and make your charges and punishment the least possible, which has the impact on your auto insurance rates. Your insurance rates will be affected by the length of the time the DWI conviction stays on your driving records. Some states keep these records for about ten years.

Remember, DWI is a serious offense and it makes the process of reinsurance more difficult, leaving very little space for you to have the insurance of your choice.

Tags: Car Insurance, DWI Insurance

This entry was posted on Monday, July 12th, 2010 at 4:49 am and is filed under Car Insurance, DWI Insurance . You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.