insurance after DUI
Reader’s Question:
If got convicted of DUI, does my insurance company just cancel my policy or it has to go through procedures?
Josh
Thank you for asking Josh.
State laws and insurance providers guidelines are different but a conviction for driving under the influence (DUI) could result in an insurance carrier terminating your insurance policy. Sometimes your insurance provider may cancel your insurance mid-term or terminate the insurance policy at the end of the term because of your conviction for DUI.
If your insurance policy is canceled in this manner, your provider must send you notification stating why your policy have been canceled and then you’ll have to find another insurance company while now having a cancellation on your insurance claims history. Some states do not permit insurance providers to just drop you in the middle of the policy term, even for a DUI. If you want to know more information about your state guidelines regarding this, check with your state’s insurance regulatory body.
Goodluck!
MariCAR
DUI insurance
Reader’s Question:
I just want to know how long a DUI stays on the record in Colorado.
Jasper
Thank you for asking Jasper.
Driving history provided by the Colorado Division of Motor Vehicles reflect activity that has been retained for the last seven years. The CO DMV states that, records are for seven years and cannot be limited to show any time period less than seven years. The records are maintained in accordance with State and Federal law, which includes the Fair Credit Reporting Act and the requirements of the Federal Trade Commission.
From this CO DMV information it looks like that your DUI stays on your driving record for 7 years. You may contact DMV directly to verify if a DUI does not stay on for a longer period of time.
The penalties for Driving Under the Influence (DUI) in Colorado are the following:
* 12 points towards a suspension of your license
* $300-$1000 fine
* 5 days- 1 year of jail time
* 48 hours- 96 hours public/community service
Goodluck!
MariCAR
DUI auto insurance
Reader’s Question:
Will my auto insurance increase after DUI conviction?
Mark
Thank you for asking Mark.
You will see an increase in your car insurance rates because of having a DUI conviction on your driving record. Operating a vehicle while under the influence (DUI) of alcohol or drugs generally puts you now into a high risk class of motorist.
The amount of an auto insurance increase because of a DUI and/or needing an SR-22 (certificate of financial responsibility) will depend upon the insurance provider that you are dealing with and their rating system. In addition to that you might also lose discounts that you previously had on the insurance policy which helped to lower your rates, such as a safe driver discount.
Most state insurance regulators and DMV give information on the average auto insurance increase for a DUI conviction. For instance, the Colorado Department of Transportation that a CO auto insurance could go up 30 % on average, that is if it is not canceled, after having a DUI conviction.
Goodluck!
MariCAR
sr22 auto insurance
Reader’s Question:
I had a DUI and was required to carry an sr22. How long do I have to carry this?
Harold
Thank you for asking Harold.
The South Carolina Department of Motor Vehicles states that a form S-22 insurance certificate is required for 3 years from the ending date of the suspension for which it is required. This sr22 certificate is also required during the six months when a person is issued a provisional driver’s license.
The SR-22 certificate must be on file at the SC DMV before the license can be restored or a provisional license issued. According to the SC DMV an SR-22 insurance is not required if the 3 year requirement period for the original suspension has ended.
I would suggest that you contact the SC DMV to know how much longer you will need to carry the SR-22 in your case.
Goodluck!
MariCAR
Kansas sr22 insurance
Reader’s Question:
I just want to know the penalty for driving with suspended license? My license was suspended because of DUI. I live in KS.
Henry
Thank you for asking Henry.
The Kansas Statue 40-3104 states that a first time offender found driving without insurance must pay fines between $300 to $1000 in addition to losing their driving privilege and vehicle plates. This can be reinstated through payment of a fee and providing proof of insurance coverage.
In addition to the KS Statutes it is also noted that during the time that your driving privilege is suspended, you cannot drive any place for any purpose. Conviction for driving on a suspended driver’s license is a class A non-person misdemeanor which is punishable by up to one year in jail and/or a $250 fine. The revocation period of your driver’s license will begin again for a period of three years from the date of your conviction.
An individual convicted of a second or greater conviction of driving while license is suspended is guilty of a class A non-person misdemeanor. This is offense is punishable by incarceration of at least five days, not exceeding one year. The person will not be eligible for parole until completion of five days imprisonment. The fine may not be less than $100 up to $2,500.
Goodluck!
MariCAR
TN sr22 insurance
Reader’s Question:
What is th required time to carry an sr22 in TN? I was required to carry an sr22 because of DUI.
Gina
Thank you for asking Gina.
The Tennessee Department of Safety states that a SR-22 can be required for a total of five (5) years from your date of suspension. If the Financial Responsibility certificate or SR-22 is filed for a total of three (3) years (36 months) within the five (5) year period, the SR-22 may be cancelled or terminated given that it is not required anymore on any other suspension. If the SR-22 is cancelled or terminated before the required period of time and a new form is not filed, your drivers license will be suspended or revoked.
An SR-22 form is proof of future financial responsibility that is required or mandated under Tennessee Code Annotated 55-12-114. If you are required to file a SR-22, then you should contact a liability insurance company and inform them of the needed filing with the state. This form must be filed by an insurance carrier licensed to do business in Tennessee to issue motor vehicle liability insurance coverage in. The minimum liability limits required in Tennessee is 25/50/10.
Goodluck!
MariCAR
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