Getting a DUI can wreak havoc on your bank account, including fines, attorney fees, impound fees, suspension fees not to mention paying to get your license reinstated. However, one of the most expensive consequences your likely to face is the long-term effect on your insurance. If you are convicted of a DUI, your insurance company will almost certainly find out. If you do not notify them in a certain period of time, they could cancel your insurance coverage entirely. In most situations, your insurance company will work with you if you have had a DUI, or even multiple offenses, but it will not be cheap.
Insurance companies generally discover that a policyholder has received a DUI in a number of ways. The first way that an auto insurance provider may learn of a policyholder’s DUI is that the policyholder may simply inform his or her insurance carrier after being arrested or convicted. Secondly, the insurance company may uncover the DUI through its annual driving record investigations. Finally, an insurance company may learn of a DUI through the filing of a SR-22 form (depending on state law), which is a proof of insurance certificate form that is needed when a driver’s license is re-instated. In rare cases, insurance companies never find out about a DUI, but this is quite rare.
Insurance companies tend to deal with DUI cases in two ways. They will either maintain a policyholder’s coverage but substantially increase the rate or cancel the policy entirely. If the insurance carrier does not cancel the policy, they will label the driver “high risk” and substantially increase the rate. If a person has prior DUI convictions, the insurance company will increase the rate even more. If the insurance carrier decides to cancel coverage, it can be difficult to find an insurance company that will provide coverage at an affordable rate.
The rate may eventually go down because a DUI may come off your record after a certain period of time. If you are cancelled and must find a smaller insurance company that insures higher risk drivers at a more expensive premium, the insurance company will file the SR-22 (depending on your state) for you so that your driver’s license can be reinstated.
Receive a free initial consultation with a Liberal Kansas DUI attorney by calling (620) 624-8158 today. Koehn & Tahirkheli, L.L.C. serves the cities of Liberal, Garden City, Sublette, Elkhart, Johnson City, Hugoton, Ulysses, Dodge City, Meade, Seward county, and serving all other communities in Southwest Kansas.