Driving under the influence (or DUI) is a severe offense. If you have ever had a DUI conviction, you without doubt know that the consequences can be both embarrassing and pricey. Aside from the fines, attorney fees, and license suspension, there are the more long-standing consequences, such as the impact on your car insurance rates and coverage.

If you are convicted of a DUI, more often than not, your insurance company will find out about the DUI and will deal with you in one of two ways. Normally, your rates will go up, sometimes significantly, or, the company will simply terminate your policy. If your insurance company raises your premiums but keeps you as an insured, you will likely be labeled a “high-risk driver.” Most states require the insurance company to provide the state motor vehicle agency (DMV, MVD) with an SR-22 Proof of Insurance Certificate, which removes your license suspension by providing the state with proof that you are insured.

While this is all starting to ok, the catch is that not all insurance companies offer SR-22 policies. So your policy may be non-renewed or cancelled simply because the company can no longer supply insurance for you. In some states, insurers can’t cut you off in the middle of the policy term, so be sure to check on the laws where you live.

Information provided by Musca Law - Attorney John Musca

John Musca, Esq.
phone  (239) 793-5297
fax  (239) 774-3229

About John Musca and Musca Law:

With nine offices throughout south, southwest and southeast Florida, the DUI defense attorneys at Musca Law defend clients charged with driving under the influence of alcohol or drugs (DUI).

Driving under the influence of alcohol or drugs (DUI) is a serious offense. A DUI may cause you to lose you drivers’ license, to receive an exorbitant fine, to watch your insurance rates skyrocket, and may even cause you to lose your freedom.

The penalties are even more serious if you were involved in an accident or vehicular homicide while driving under the influence of alcohol or drugs.

You should know you only have 10 days from the date you were arrested for DUI to request an administrative review hearing to retain your driving privileges.