Drunk Driving Car Insurance

Reader’s Question:

I need drunk driver car insurance how many years does the DUI remain on your driving history in the state of Florida?

Thomas

Coral Springs, FL

According to Florida state law, a DUI in FL remains on your permanent record and on your driving record for seventy five (75) years.

The Florida Statutes authorize the Department of Highway Safety and Motor Vehicles (HSMV) to establish and keep the management of driving histories for drivers in Florida.

According to HSMV convictions reflecting point assessments stay on a customer’s complete driver record for a period of ten years from the date of conviction. But, serious convictions such as Vehicular Homicide, DUI, DUI/Manslaughter, etc will stay on the driving record for 75 years.

DUI Car Insurance Rates

Reader’s Question:

I got a DUI three years ago. How long does my DUI affect car insurance rates? My insurance rate is still high!

Ben

Brooklyn, NY

 

The amount of time your DUI will affect your insurance rates depends on both your insurance company guidelines and your state’s regulations. States differ on how long a DUI or DWI stay on your driving record. It may stay on your MVR for as little as a few years to as many as 10 depending on the state and the situations regarding your DUI. As long as the infraction is on your DMV record it is likely to affect your car insurance rates.

Each insurance provider has its own method of rating and evaluating people. To know how long your DUI is going to stay on your MVR call your DMV and to find out how long your current insurance provider will continue to rate at a higher rate contact your insurance broker.

insurance rate for DUI

Reader’s Question:

I got convicted of DUI but the DMV only informed me about the reinstatement fee. Do I still need an sr22? I live in Nebraska.

Randy

Thank you for asking Randy.

You will need to verify with the Nebraska Department of Motor Vehicles to make sure if the SR-22 is required in your situation or not.

The NE DMV online states that if you have been suspended/revoked as a result of a court conviction, accumulation of points and other administrative action may be required of you to show proof to the State of Nebraska that all cars that you own are insured. In addition to that, if you do not own any vehicles, you must purchase a non-owner or operator policy to show proof of financial responsibility.

According to the NE DMV your operator’s license and/or operating privileges may be suspended under the Administrative License Revocation (ALR) law. This authorizes police officers to immediately confiscate a driver’s license because of Driving under the Influence (DUI) conviction.

It looks like that in Nebraska it depends upon who suspended or revoked your license will help to determine if you will be required to file a SR-22 to reinstate your license. Its best to contact NE DMV to see see if you need to get insurance with a SR-22 filing or not.

Goodluck!

MariCAR