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What to Expect From Your Car Insurance After Receiving a DUI From a Denver Criminal Lawyer

April 11, 2018

The unthinkable has happened, and now you’ve got to deal with the inevitable fallout that will result from your mistake. You’ve just been charged with a DUI and you’re not only dealing with the legal headache of such an offense, you also have to face the consequences from your auto insurance carrier as well. If you’re dealing with a DUI and are wondering how this may affect your insurance rates, this Denver criminal lawyer will let you know what to expect moving forward.

Post-DUI Hikes

In the first year following your DUI charge, you can expect your auto insurance rates to skyrocket. Insurance premiums within the first year of your charge tend to go up an average of 94%, a substantial increase. If your insurance was around $100 per month, you can expect that premium to climb close to $200 for the first year.

Even on the third anniversary of receiving your DUI, you can expect your insurance premiums to remain substantially high, with an average increase of about 64% from your rates prior to receiving the DUI charge. Clearly, the costs of receiving a DUI are substantial, but the price of such an offense is compounded with your insurance rates.

Switching Providers

After a DUI charge, your trusted carrier may decide you are too much of a liability and will drop your coverage as a result. Don’t think that you will be able to conceal this charge from your insurer, as they will have access to the National Driver Register as well as the Comprehensive Loss Underwriting Exchange database. These are tools that an insurance company will utilize in order to determine if you qualify for coverage with their company.

In the event that your preferred insurer decides to drop you from their coverage, you may have to seek coverage from a non-standard agency. In this case, you can expect to pay much higher premiums, on average, with less coverage from lesser known and trusted providers.

Rates Are Dependent on Circumstances

Let’s be clear: not every DUI is the same. If you received a DUI after crashing your car or were engaging in other risky behavior, you can expect your premium to be much higher. In some cases, your rates may go up to five times as high as they would with standard coverage. Insurance companies consider a variety of factors, and if you have previous moving violations or other things they may deem as a liability, you can expect to pay an even higher premium than someone who simply has one DUI on their record.

If you are in need of DUI legal defense, or know someone who is in need, contact the law offices of John L Buckley today. We work tirelessly to ensure your rights are defended, and we guarantee the best possible representation for your individual situation. If you are wondering how a DUI will affect your insurance rates and other aspects of your life, we are happy to assist you in understanding the road ahead.