When one gets pulled over and subsequently arrested for an alleged DUI, what are some of the first things that run through their head? “Oh no, I’m in trouble,” “I am going to jail,” “I need a lawyer” are probably a few. However, after the initial shock wears off, that person eventually gets to realizing the potential fines and legal fees that go along a DUI conviction. Those fines and fees are typically a one-time expense. But there is one cost that often gets over looked and is one that affects your life for 10 years after the DUI; car insurance.
In January of 2007, new legislation required that DUI offenses be a part of your public driving record and remain on that record for 10 years from the violation date. The legislation was changed in order to allow car insurance companies access to driving records so that they could apply the new provisions that were added in 2005 in the Insurance Code under Senate Bill 597, primarily dealing with “good driver” discounts. Under the law, good driver discounts would not apply to drivers with DUI offenses within the past 10 years. In other words, because the discount you previously received for being a good driver will not apply, your car insurance premium will go up, at minimum, the amount of that previous discount.
Losing the discount is not the only reason your car insurance premiums may go up. Having a history of DUI suggests to the car insurance company that you are at a higher risk of being in an accident. It’s no surprise that having a higher blood alcohol content will hinder basic motor skills and therefore negatively affect your ability to operate a vehicle, thus leading to a higher chance of being involved in a collision. And having a higher risk of being in an accident means that the insurance company has more to lose with you behind the wheel. The insurance companies are not allowed to cancel your insurance mid-policy due to a DUI conviction, but they will definitely reconsider your premiums when the renewal comes around. As such, your premiums will more than likely go up. Although it will depend on your insurance company, on average, an increase of a few hundred dollars is likely. Some, however, can increase as much as a couple thousand dollars.
Assuming for argument’s sake that your insurance only increases a few hundred dollars, that few hundred dollars might seem doable, but remember, your status as a “high risk” driver stays with you regardless of whether you change insurance companies for 10 years. With that label lasting 10-years, you are looking at a quite a few thousand dollars of a difference in total. Now, imagine what it would be if the increase is more than a few hundred dollars.
If you are convicted of a DUI, you may want to shop around for car insurance. With this new dent in your record, there may be other policies that won’t make as much of a dent in your wallet.
It may seem like a lot of work, and more money than someone might want to dish out for a DUI, but taking the time to research a good DUI lawyer will also probably be worth it. If the right circumstances are aligned in your case, your lawyer may be able to get your DUI charge down to a “wet reckless” (See the post What are the Benefits (and Disadvantages) of a Wet Reckless? for details on wet reckless). One of the advantages of being able to reduce your DUI to a charge of wet reckless is that the conviction will stay on your record for only seven years, rather than the 10 years that a DUI conviction requires. Obviously, it would depend on your car insurance, but the additional cost of paying for a good DUI lawyer, may outweigh the cost of paying an additional three years of increased premiums.
Suffice it to say, that extra six-dollar beer is not worth the few thousand dollar increase in insurance premiums that a DUI conviction will bring with it, or all of the time and research you will have to put into finding yourself a good lawyer, or the time and research in possibly finding new insurance to make sure you are able to keep your premium increase to a minimum.