Effects of DUI on Insurance Policy

Driving under the influence, or DUI, is a serious offense. When one of these occurs it is the job of the local government to keep residents safe and to do this they will often suspend your license. In addition, when your insurance agent discovers your recent DUI your rate will be adjusted accordingly.

Will the Insurance Company Know

After you receive a DUI, your license will most likely be suspended. However, you are not required to inform your insurance company of this. In fact, many will not know what happened for a long time. They do occasionally run driver's screenings on their customers to see what the driving records are. If they perform one of theses searches the DUI will be detected.

Keeping Insurance Policy

Receiving a DUI is one of the biggest red flags in the auto insurance world. An auto insurance premium is determined by your kind of car, age, driving record, and the likeliness of becoming involved in an accident (other factors involved with this such as city and state location). When a DUI shows up on the driving record it sends out warnings about the likeliness of becoming involved in an accident. Many insurance companies will actually not resign you to a contract when your current one expires. This is because they see you as too much of a liability. If this was to happen you would need to try a different insurance agency because most states have laws requiring you to be insured when driving.

What will happen to the price of the insurance?

If you are able to with hold your current insurance your premium will most certainly goo up. This can depend on what kind of car you drive, as well as the general area you reside in, but your car insurance can increase up to four hundred percent. However, this is only if they have discovered you have received a DUI. If they have not, it is a good idea to continue paying your bill on time and do not make any claims. This is because once a bill is late or you make a claim, your record is more likely to be pulled up. In addition, do not switch companies, because the company you try to switch to will run a driving check, and your DUI will show up.

How long with the DUI be on record

Depending on the state you reside in a DUI will will typically stay on your driving record for about ten years. After ten years it will be expunged and will no longer affect your insurance.