Insurance companies often check their customers’ driving records
every few years or so, or when a potential customer is applying for an
insurance policy. If the insurance provider discovers that one of their
customers has been convicted of a
DUI, they will often either
raise the premium rates or
cancel the insurance policy entirely.
Why Do My Premium Rates Rise After a DUI Conviction?
If the insurance company allows the driver to continue with the policy,
he or she will most likely be labeled as “high risk.” This
label may raise the premium immensely. In many cases, the increase may
be as high as
three times the price of the normal cost.
Additionally, the driver will be required to file proof of insurance (form
SR-22) with the DMV for up to five years. The insurance company will need
to file several documents with the DMV and even inform the DMV if the
insurance policy is canceled.
What Can I Do If My Insurance Coverage is Cancelled?
Whether your insurance rates are too high or your insurance coverage was
canceled altogether, you can still obtain cheap insurance coverage. There
are typically two tiers of insurance companies: preferred and non-standard.
Here are a few examples of the following two types of insurance companies:
- Preferred companies – State Farm, Farmers Insurance, and Geico
- Non-standard companies – Infinity Auto Insurance, GMAC Insurance,
and Mercury Insurance Group
It is important to understand those non-standard insurance companies will
accept people with infractions on their driving record. They are considered
discount carriers that insure drivers with unsatisfactory driving records.
While they are tiers within the non-standard companies that have certain
coverages, many non-standard companies prefer to deal with customers with
less-than-ideal driving records.
Arrested for a DUI in Ventura County, CA?
Contact The Law Offices of Robert F. Sommers and request a
free consultation with our Ventura DUI lawyer today.