A Quick Look At DUI Insurance
If you have received a DUI, you will quickly find out that your insurance rates will skyrocket. Your current insurance provider might drop you and you will certainly have difficulty finding an insurance provider that will actually insure you. If you have any financial hardships, your insurance rates post DUI will not make your financial situation any easier.
Once you have received a DUI ticket, you will need to immediately contact your insurance company to discuss whether or not they offer DUI insurance. Some states, like California, have a certain document that is required for license reinstatement, like SR-22, for DUI insurance. These special documents show the Department of Motor Vehicles in your state whether or not you actually have insurance so that you can get your driver’s license back.
One thing to consider when you go to buy insurance is that you can actually get your driver’s license. It would be unfortunate to pay the exorbitant DUI rates for insurance only to have your request for having your license reinstated denied by the state. You will be very busy figuring out whether or not you can actually drive again and it would certainly be helpful to have an attorney help you work through some of the details regarding your license reinstatement.
After receiving a DUI, many insurance companies will drop their clients. If they provide new coverage, it will be at least three times what you were paying before you received the DUI. There are some insurance companies that specialize in insuring high risk drivers, but they will ask that you pay higher rates. They might also ask that you pay for your insurance up front or with automatic payments from credit cards or checking accounts.
Many insurance companies realize that potential customers do not want to spend hours talking to insurance agents and potential customers who have had DUIs are often embarrassed to talk about this legal issue. If you start your shopping online, you will be able to find insurance companies that sell insurance to people who have DUIs. Once you find a compatible company, you can contact them through live chats or over the phone to get more details and to get an individualized quote. Doing online investigating will help you figure out if the company is actually legitimate and if they have products that will serve your needs.
Once you find a company that you think you can work with, ask about their business license and for some reviews. It’s also important to be sure that your state accepts their insurance, because not all companies have products that cross state lines.
Once you have insurance, it is vital that you follow all of the rules of your license, because you will probably have some restrictions. It is also important that you drive the speed limit, obey all traffic laws, and do not get any more DUIs. If you do get another DUI, you will most likely lose your license and it will take significant legal work to get it back again.