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The article has been updated successfully but requires approval before it is published.Last Updated 8th of March, 2010
Do I obtain DWI insurance from my current auto insurance provider?
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You might be able to continue to carry auto insurance with your current provider. But, it depends on your insurance company, and your driving history before the DUI or DWI.
Some car insurance providers have little - if any - tolerance for "high-risk" drivers, including those who've been convicted of drunk driving. These types of carriers opt for "preferred" risks, meaning drivers with a relatively clean driving record who obey the traffic laws and haven't been involved in many at-fault accidents. If you're insured by such a company, your insurer may just cancel your policy. Or, it may simply not be able to offer the "high-risk" type of policy you now require going forward.
Now, if you had a solid driving record until the DUI, even a preferred-risk insurer may continue to offer you insurance, albeit it at higher rates. But, it's up to the insurance provider.
Other companies cater to all types of drivers, including those in the high-risk category. If you were insured by such a company at the time of the conviction, you likely will be able to remain with the company.
Keep in mind if you can't obtain coverage through your current company, there are insurers who specialize in high-risk drivers, so you'll still have options. But, expect to pay a lot more than you were - it's just another penalty for getting the DUI.
After your conviction, your state may require you to provide proof you still carry the proper amount of insurance coverage. This is usually done by submitting a SR-22 form. In some cases, your insurer may file the form for you. It just depends on how your state and your insurance carrier handles this matter. The SS-22 form may need to be filed for several years or longer.
Obviously, there are many things to consider after receiving a drunk driving conviction, such as DWI insurance and all the applicable DUI laws and penalties. So, it may make sense to hire the services of a DUI lawyer, who can help you sort through all your options, and explain what you need to know in a clear, understandable manner.
Some car insurance providers have little - if any - tolerance for "high-risk" drivers, including those who've been convicted of drunk driving. These types of carriers opt for "preferred" risks, meaning drivers with a relatively clean driving record who obey the traffic laws and haven't been involved in many at-fault accidents. If you're insured by such a company, your insurer may just cancel your policy. Or, it may simply not be able to offer the "high-risk" type of policy you now require going forward.
Now, if you had a solid driving record until the DUI, even a preferred-risk insurer may continue to offer you insurance, albeit it at higher rates. But, it's up to the insurance provider.
Other companies cater to all types of drivers, including those in the high-risk category. If you were insured by such a company at the time of the conviction, you likely will be able to remain with the company.
Keep in mind if you can't obtain coverage through your current company, there are insurers who specialize in high-risk drivers, so you'll still have options. But, expect to pay a lot more than you were - it's just another penalty for getting the DUI.
After your conviction, your state may require you to provide proof you still carry the proper amount of insurance coverage. This is usually done by submitting a SR-22 form. In some cases, your insurer may file the form for you. It just depends on how your state and your insurance carrier handles this matter. The SS-22 form may need to be filed for several years or longer.
Obviously, there are many things to consider after receiving a drunk driving conviction, such as DWI insurance and all the applicable DUI laws and penalties. So, it may make sense to hire the services of a DUI lawyer, who can help you sort through all your options, and explain what you need to know in a clear, understandable manner.
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