Does Car Insurance Companies Cancel Policy Due to DUI?
Reader’s Question:
If got convicted of DUI, does my insurance company cancel my policy?
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 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.
Many states require you to file an SR22, and you will have to find a new insurance carrier that writes policies for SR22 coverage. It might be a good idea to start checking rates for SR22 insurance policies now and prepare for this additional expense.
Goodluck!
MariCAR
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