Challenges Of Getting Auto Insurance After A DUI
If you are facing a DUI charge, you might also face some problems with your driver's license and your auto insurance. Auto insurance is a necessity if you plan to drive or if you need SR-22 insurance after your DUI, but there are some challenges you might face when trying to purchase a policy. Here are several things to know about the challenges of getting auto insurance after a DUI.
A DUI on your record makes you a high-risk driver
The reason getting auto insurance after a DUI can be more challenging is primarily because a DUI on your record makes you a high-risk driver. High-risk drivers are liabilities to insurance companies, and insurance companies are selective about who they insure. They are also selective when it comes to calculating the costs of premiums for insuring high-risk drivers.
It will be difficult if you have no insurance
Secondly, it is important to know that you will face even more challenges in getting insurance after a DUI if you currently do not have insurance. Were you driving without insurance? If so, this is something that can land you in more legal trouble, plus when you try to get insurance, you will have a harder time due to having a lapse in coverage. When a person does not have car insurance and then tries to get it, insurance companies view this lapse in a derogatory manner, which means you may pay even more for your coverage after a lapse.
Some companies do not offer SR-22 insurance
After a DUI, you might also be told that you will need to get a special type of auto insurance policy called SR-22 insurance. The problem with this is that this is not a product that all insurance companies offer. Even if you have car insurance and you need SR-22 coverage, there is a chance your insurance company will tell you that they cannot offer it.
The DUI will stay on your record for a long time
The other thing to know is that a DUI will likely affect your driving record for many years. The exact length of time will depend on the charges you have against you and the rules in the state where you reside.
The hardest part about finding auto insurance after a DUI is finding an affordable policy, and this is why you should call around to ask for quotes for auto insurance coverage.
For more information on your insurance options, contact a company like Boone Ritter Insurance.
