Drunk Driving On Car Insurance
After completing the sentence imposed by the court, the drunk driving offender is often eager to resume his or her normal life. Returning to work, school, and other activities generally requires driving, however, and driving requires car insurance. One of the consequences of a drunk driving conviction that many offenders may not think about until the worst seems to be behind them is the prospect of obtaining car insurance after a conviction. An attorney experienced in drunk driving law can explain and possibly even circumvent the full range of repercussions that can result from drunk driving, regarding insurance and otherwise.
Difficult to get car insurance with a drunk driving criminal conviction
Car insurance companies routinely check driving records when drivers apply for car insurance, and, if the company chooses to insure the applicant, the insurer will check the records again once every three years thereafter. If an insurance company discovers a drunk driving conviction, it may likely reject an application or, if the driver is already insured by the company, raise the rates or even drop the driver.
Some companies make the post-conviction rates so high that they almost prohibit the option of driving. Unless an offender can rely on public transportation or rides from friends and family, however, paying outrageous rates may be the only option. Once he or she re-establishes a safe driving record, the rates should come back down again.
The only thing a person with a drunk driving conviction can do if a insurance company turn them down would be to look elsewhere. There are actually some insurance companies who are more inclined to insure such applicants and actually cater to them.
Still, however, the rates will generally far exceed those paid before the drunk driving conviction, but because insurance is a must, it can be reassuring to know that there are companies willing to take the risk of insuring drivers with a less-than-perfect record, allowing them a better chance at a fresh start and brighter future.