A night out with some friends is a fun way to spend the weekend, however, if you happen to drive after a few cocktails you can end up with a DUI. In the aftermath of a DUI, your main concern is getting yourself through the legal process and back on the road. Not only will you need the best DUI Auto Insurance, you should have an understanding of how your DUI will affect you.
Getting a DUI is one of the most costly mistakes that you can make when it come to driving. Not only do you have to pay for court time, and legal fees, a DUI will impact your insurance rates. This is because every driving infraction adds points to your driving record. Different infractions will affect your record differently and as you can imagine, a DUI will do a lot more damage than a speeding ticket. The next time you go to renew your insurance policy your insurance company will take a look at your most recent driving record and adjust your rates accordingly. Many companies that see a DUI on your driving record will label you as a ‘High Risk Driver’ and some may even refuse your policy.
After your DUI, you will have to file a form called and SR-22 with the DMV. The SR-22 shows proof of insurance in order for you to be legal to drive. Check with your insurance company to find out if they will automatically file for you or if you need to file it yourself. SR-22 forms may need to be filed for a few years and can put you in the higher risk category with insurance companies.
Another consequence of your DUI is a suspended license. You can obtain a temporary restricted license that will allow you to drive to work, just remember you should not risk driving with a suspended license because if you are caught, you will earn more points to your record that can affect your insurance rates even more.
At Connell Insurance Agency, we know how devastating getting a DUI can be and we would like to help. We are one of the very few insurance agencies out there that offers this type of high-risk insurance. Call us today to learn more about our Auto Insurance policies. 888.590.0715