Fl DUI and Your Insurance
John Musca is A DUI Attorney Located in Florida.
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
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