Will a Dismissed DUI Case Still Affect my Car Insurance?
Reader’s Question:
Will a case of DUI dismissed in court can still affect my record and thus my insurance?
Neil
Thank you for asking Neil.
It is possible that for a dismissed DUI case to affect your driving record still. I would suggest that you check with your state’s Department of Motor Vehicles to find out what exactly will be listed on your driving record. The cost of a SR-22 will depend upon your driving history and other personal information.
The Department of Motor Vehicle (DMV) will be able to give you more information if a dismissed case of DUI will still show up your driving record. If you do find that the dismissed charge will remain part of your driving record, you may also contact your insurance company to know how this will affect your auto insurance rates.
Goodluck!
MariCAR
Can My Parents Insure Me With A DUI?
Reader’s Question:
My license is suspended because of the DUI and my parents want to add me to their policy. Will the company be able to know about the DUI?
John
Thank you for asking John.
I would suggest that you let the insurance company and your parents know that your driver’s license is suspended because of the DUI. You should not operate a vehicle or be insured on their insurance policy with a suspended or revoked license. You could put your parents or their car insurance policy at risk for non-disclosure. And you could put them at greater risk legally for driving their car in your current status.
The insurance company will pull up your driving history when your parents try to add you to the insurance policy. Then they would disclose the information that they cannot add you because your license is suspended. Even after your license is reinstated, you may need a special SR22 certificate to qualify for insurance, and your rates will be considerably higher than your parents may realize. It is best to be open with them about the situation so that you can all make the best decisions for your family.
Goodluck!
MariCAR
I Need DUI Insurance Quote
Reader’s Question:
Is there an insurance company that I can check online that does not consider tickets like DUI in order to provide insurance?
Vince
Thank you for asking Vince.
Some auto insurance companies do not quote you higher rates online, but that does not mean that they won’t find out about the DUI and adjust the quote before issuing the policy. If you already have an active insurance policy in place, your insurance company may raise your rates for certain moving offenses. In general, all car insurance providers take into consideration an individual’s driving record as a rating factor.
The drivers’ record and motor vehicle record (MVR) is used to determine what type of risk as a motorist they are and so the risk that they are putting the insurance carrier under to insure them and the vehicle they drive. Traffic violations such as DUI and DWI on a driver’s MVR shows that the person may drive recklessly or poorly.
There are some insurance companies that will not raise your rates if it is your first minor ticket; however, your safe driver discount will likely be removed which will cause your car insurance premiums to go up. You may check online and get a quote from these insurance companies to get the specific information you need regarding insurance rates.
Goodluck!
MariCAR
How Long Will A DUI Be On My Record in Texas?
Reader’s Question:
I am wondering how long a DUI will still show up on my driving records. Will my DUI still be in my Texas record after 20 years?
Frances
Thank you for asking Frances.
The answer is yes.
This driving under the influence (DUI) or Driving While Intoxicated (DWI) will still be on your Texas driving record because these types of serious convictions stay on your TX driving record indefinitely. Some states have provisions that can drop these convictions from your driving record in as little as seven years, but it varies considerably from state to state.
The Texas Department of Public Safety states that moving infractions appear on a driving record for a period of 5 years with the exception of major offenses. Some examples of serious violations are DWI, DUI, and driving without insurance which will remain on a Texas driving record for life.
Goodluck!
MariCAR
Will Car Insurance Cover for Car Wreck Due to DUI?
Reader’s Question:
I was driving drunk and had a wreck in my car. Is it possible that my insurance company will cover the total loss and damages in my car if I was convicted of DUI?
Rain
Thank you for asking Rain.
It is not a typical exclusion in an auto policy being convicted of DUI. Yes, the coverage should be afforded to the terms in your policy. Claims regarding an accident that took place while you were driving under the influence (DUI) are normally covered by the insurance coverage you had in place at the time of the accident.
Some states have alcohol exclusions, but this is normally in regards to damages one sustains while driving drunk.
To make sure that your insurance provider will accept your claim for the car that was damaged at the time you were cited for a DUI, you should review through the terms and conditions of your insurance policy and speak with your insurance agent. Your insurance company should be able to advise you if there are any exclusions in your insurance policy that would allow your them to deny your claim.
Goodluck!
MariCAR
My Friend Got A DUI In My Car
Reader’s Question:
My friend drove my car and received a DUI. Will my insurance rates go up because she used my car?
Tara
Thank you for asking Tara.
If the citation or ticket is written to a driver only and not against a the car the person is driving, typically, it is the driver’s record that will be affected. Since your friend received the ticket for DUI in his or her name only then it would usually be their license and their insurance rates that would be affected by this citation.
You may verify with your state’s Department of Motor Vehicle to get more information regarding your specific situation.
Goodluck!
MariCAR
Car Insurance for Suspended Drivers
Reader’s Question:
I will be losing my license because of the DUI conviction. Can I have my new car insured while my license is suspended so others may be able to use it?
Nina
Thank you for asking Nina.
I don’t think it is possible (or may be difficult) to carry auto insurance while your license is suspended. Once an insurance carrier finds out that your license is suspended, your insurance policy typically is canceled.
If there is another person that has registered or co-owns the new vehicle with you, she/he might be able to get insurance in their name for the car until your driver’s license is reinstated. If not then the finance company can get “force” insurance, in which they take out insurance on the car to protect their asset (the car) but it might not be enough for the coverage of others operating the vehicle.
If you are able to get a restricted driver’s license, while still serving your penalty for the DUI, then an insurance carrier will normally be able to insure you and your car.
Goodluck!
MariCAR
What Will Happen if I Drive Without Insurance?
Reader’s Question:
What will happen now if I received a ticket for speeding and driving without insurance?
Tom
Thank you for asking Tom.
State laws and jurisdictions vary considerably, so obviously we will not be able to provide the exact cost that you may incur with this problem. Even if you are driving without a license, you still have a driving record that will be impacted with these charges. These moving violations will show on your driving record.
Insurance companies sometimes use entirely different quote systems to handle potential customers who are already insured and those who don’t have insurance. You can expect to pay higher rates for the speeding ticket and additional rate hikes for having been ticketed for driving without insurance.
Each insurance provider has their own rating system and point values that are assigned for each type of violation or claim. Most minor violations count as two (2) points, for major violations count as three (3) points and serious violations like driving under the influence (DUI) or driving while intoxicated (DWI) may count as high as six (6) points. This is will not always be the case, because there are many factors that go into generating your insurance rate.
You will be required to pay the penalty to the state for the violation and your insurance costs may increase because of the added points on you driving record. You can get more information about your specific state laws and infractions by visiting your state’s Department of Motor Vehicle website.
Goodluck!
MariCAR
Where to Get a Drivers License After DUI Conviction
Reader’s Question:
I received a DUI but I don’t want to lose my license, so I just want to know if there is a US state where I can get a driver’s license? And how will it affect my insurance policy?
Noreen
Thank you for asking Noreen.
All states have laws regarding driving while drinking or driving under the influence (DUI) of alcohol and other serious offenses. In all states a DUI is a serious offense with associated penalties such as jail time, fines, suspension of driver’s license, etc. Most of these states are also part of the Driver’s License Agreement which means that they forward their DMV records with each other so the DUI charge would follow you if you move to another state.
You won’t find out if your license will be suspended or revoked until after you go to court and are convicted and sentenced. There may be provisions in your state to allow you to drive to work. Of course, any change in your status as a licensed driver will affect your insurance policy. You an expect higher rates as a high risk driver, and you may even have your policy cancelled and have to shop for new coverage.
There are some states which allow offenders to operate their vehicles that are equipped with ignition interlocks. This device checks the driver’s breath and will disable the ignition if it determines the motorist has been drinking. I would suggest that you get legal advice regarding this to check if there is anyway in which you could not lose your license.
Goodluck!
MariCAR
Will my Auto Insurance Go Up If I Add a DUI Driver in my Policy?
Reader’s Question:
I want to know if my insurance rate will go up if I add my mother who has a DUI conviction? We live in the same house.
Chris
Thank you for asking Chris.
It is probable that your insurance rate will increase after you add your mother to your insurance policy. Even if each of you maintain your own insurance policies, the insurance provider will take into account all of the drivers/motorist, in this case you and your mother, and their individual driving history on these policies. Most insurance providers base the insurance rates on the driver who develops the highest premium. This is usually the younger motorist. Since your mother has a serious violation, that might cause your premiums to increase as a result.
You may speak with your insurance company to know for sure how much the increase will be if you add your mother with a DUI in your policy.
Goodluck!
MariCAR
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