What Happens to Your Car Insurance if You’re Charged with DUI?

If you drive a vehicle anywhere in the U.S., insurance is a necessity to cover yourself and those around you from the burden of repair costs, should accidents occur. But what happens if you get into an accident because of driving under the influence of alcohol? There can be harsher consequences above the punishments of a revoked license and injury. Depending on the state you live in and the insurance company you use, your car insurance costs can be increased dramatically or simply be revoked. Here is some useful information you can keep in mind should you ever choose to drive under the influence.

Facts of DUI Car Insurance Changes

If you are charged with a DUI, the increased cost of your car insurance is probably not the first thing that is on your mind. If you wish to continue driving after your case, car insurance should be part of the overall picture. Before you worry if this is possible, rest assured that many who are charged with a DUI can find insurance. The way to find the right insurance is essentially the same as trying to find insurance in general:

  1. Compare rates from many different insurance companies. Many insurance brands such as Progressive and Geico compare their prices with the price of other companies. If you find that your current car insurance becomes prohibitively expensive, it is certainly time to change.
  2. If you have been charged with your first DUI, many companies will approve your request for insurance. Being honest about your record is essential to securing your insurance; if you are charged with a DUI in an attempt to get a normal rate, your insurance may be voided and limit the chances of working with that company again.
  3. Depending on the state in which you are charged with a DUI, penalties on insurance costs can be different. This can also vary depending upon your number of DUI charges and convictions, and which company your insurance comes from. To give you an idea, the average yearly cost increase of working with Farmers Insurance is $1,520. Alternatively, if you are from Michigan, your average rate increase could rise to $2,368 (Maine, on the other hand, is an $884 increase on average).

Limitations or Denial of Coverage

If you have been charged with multiple DUIs, insurance becomes much more difficult to obtain. Worse, it becomes much more difficult to keep your existing insurance, even if you could technically afford it. In case of DUI accidents, insurance policies include definitions of negligent and grossly negligent driving that may apply to the results of your DUI case. Let the Law Office of C. Gregory Coburn defend you during your DUI case and help you maintain your independence. If you need an attorney in Ocean City, Maryland, or the surrounding area, give us a call and let us represent you!