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
Will my Auto Insurance Increase After DUI?
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
Do I Need SR22 Insurance After DUI Conviction
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
Got DUI Driving For Work
Reader’s Question:
I got convicted of 2 DUIs this year and last year. What happens if I get pulled over by a police officer and I have no proof that I am driving for work?? I live in CA.
Kim
Thank you for asking Kim.
A restricted license granted after a second DUI conviction has guidelines that need to be followed in California. The CA law states that the restriction of the driving privilege shall be limited to the hours needed for
a. driving to and from the place of employment,
b. driving during the course of employment, and
c. driving to and from activities required in the driving-under-the-influence program.
According to the California vehicle code, the California Department of Motor Vehicles may suspend or revoke the license once they receive satisfactory evidence of any infraction of the restrictions of a driver’s license.
So if you get caught driving outside your restrictions your driving privileges may be taken away once again. The California DMV should be able to give you information if there will be additional penalties given to you by the courts if you are pulled over and cannot prove you are driving within your restrictions.
If your job requires you to work outside regular office hours, like weekends or at night, it may be helpful to keep a copy of your work schedule or a letter from your employer outlining your work schedule with you in your car.
Goodluck!
MariCAR
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