Orlando DUI Defense Attorneys, Finebloom and Haenel, regularly answer questions for our DUI clients as well as various citizens in and around Orlando. Often times, drivers arrested and charged with DUI are concerned about how a DUI conviction will affect their auto insurance. Once convicted with DUI, the charge will be recorded on the driver’s motor vehicle history. Unfortunately, DUI is considered to be a serious offense and drivers carrying a DUI are likely to be placed into a higher risk pool. Insurance companies charge drivers belonging to “high-risk” pools higher premiums as a result.
“What happens with my insurance after my DUI?”
After your case settles, your driving record will show if you have a DUI conviction. While your insurance premium does not automatically go up overnight, it is likely to increase significantly the next time your policy renews or the next time you switch companies. A new insurance company will check your driving record. If you renew with the same company, they’re likely to review your DMV record at least once every 12 months for changes.
While it may not be immediate, your insurance company will inevitably detect the DUI and is very likely to raise your rates. How much they raise your rates depends on a number of different variables, including the insurance company itself.
Some insurance companies may not even insure you if you have a DUI on your record. Your current carrier may even cancel your policy once they discover the DUI. Many insurance companies do cover drivers with DUIs, though.
“Is there anything I can do to change things?”
Whether your current insurance company cancels your policy or raises your rates, this may be an ideal time to “shop” around for different coverage. It’s true, you’re not considered to be in a higher “risk pool” for the next couple of years until you establish distance away from your DUI. However, how much you actually pay to be in that risk pool can still vary greatly from one company to the next…sometimes by $150 per month or more! Obtain quotes from a few different companies and disclose your DUI. You will be able to compare by price and choose the lowest cost of the higher risk pool. Heightened insurance rates are one of the hidden costs of a DUI. However, don’t get stuck overpaying this cost- shop car insurance quotes and look for the most cost effective option!
Finebloom and Haenel – Skilled DUI lawyers in Orlando
Finebloom and Haenel’s Orlando office is home to some of Florida’s most focused DUI Defense lawyers. We’ve been helping those charged with DUI by putting over 20 years of legal experience to work in the Orlando court circuit. If you or someone you know as been charged with DUI, call the Orlando office of Finebloom and Haenel today!