How Can You Get Car Insurance After A DUI?

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No matter how costly your insurance policies may be, they will not save you from fines for traffic offenses like speeding, careless driving or DUI (Driving Under Influence). You are putting your life and that of others at risk by getting a DUI ticket. Depending on the severity of the offense, you may have to pay heavy fines. If you are found guilty of an alcohol-related accident, your driver’s license and vehicle registration may be suspended. Before they make a decision, car insurance companies will usually review your driving record. Before they can raise your premium rate or transfer you to a high-risk category, insurers will take into account the severity of your offense and your economic demographics. These variables will be used by insurance companies in different ways. Some companies consider DUI to be less risky than an at-fault accident.

Insurers consider high-risk drivers risky and will not provide coverage. You are considered a high-risk driver who is more likely to cause or get involved in accidents. After your policy has been cancelled, you’ll need to find another insurer that offers high-risk policies. Depending on the severity of your DUI, you may still be able to get affordable auto insurance quotes. Driving under the influence or driving at low speeds will result in a DUI.

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How do I get car insurance after my current policy has been cancelled?

There are many possible outcomes to your DUI ticket. Signing tickets and being pulled over are not an admission of guilt. You can always challenge the charges in court later. To discuss the impact on your insurance rates and policy, you can contact an independent agent. It is better to look for a new insurance company that can provide high-risk policies if your current insurer cannot. You should still fight the charges to remove the driving offense from your record. Clean records will make it easier for you to find a new insurer. Before you apply for insurance again, here are some things to consider.

1. This isn’t going to be an easy task.

Some insurance companies are unable to provide coverage for high-risk drivers, as we have already mentioned. This means that you only have a few options. Some insurance companies may refuse to provide coverage for you if you are convicted of DUI. Your record will also remain for at most three years. It will impact your car insurance estimate before the ticket is lifted.

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2. If possible, contest the charge

A good attorney can help you get rid of the DUI charge if it is a misdemeanor and not a felony. You can find a new insurance company easily and the ticket will not be on your record. A clean record indicates that you are a safe driver or that you belong to the preferred class of customers. You should find affordable car insurance with any company. The record will still be visible even if the charge has been reduced. You will be subject to lower fines but your insurance rates are likely to rise.

3. Accept the consequences and then take appropriate punitive measures

Most people restitution involves paying fines and performing community service. Many community services are available, such as driving lessons, diversion program and taking driving classes. A DUI ticket is an additional reason that you were pulled over by an officer. You must pay the appropriate fines for each offense. It is important to understand the SR-22 form. SR-22 forms are used to prove insurance. Your insurance company will issue it to confirm that you are insured. SR-22 is required only in DUI cases. If your license is suspended for any reason, or you are convicted of driving without insurance, it will be issued by your insurance company.

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