A DUI and Your Car Insurance
Being convicted of a DUI in any jurisdiction presents a serious problem for the defendant.
The reasons for these difficulties are numerous in nature, but regardless of the specifics of your situation, you can expect to either lose or deal with a severely restricted right to drive for a period of time as set by the court that convicts you.
Aside from the conviction on your record and the driving restrictions, your immediate costs will most likely include the following:
Below is a look at what could happen with your car insurance if you are convicted of a DUI in Arizona.
If you are still dealing with this DUI issue, contact a defense lawyer today to schedule an initial consultation.
Post-DUI Car Insurance If you are convicted of a DUI in Arizona, the DMV will keep that conviction on your record for a period of 39 months.
What that means is that if you apply for a car insurance policy and you've been convicted of a DUI in Arizona within that timeframe, the insurance carrier will realize this and quote you a higher rate.
Additionally, when your driving privileges are ultimately restored, the state requires that you obtain what's known as SR-22 insurance, which means that your insurance company must provide documentation to the state's officials that proves that you are insured as a driver.
Your driving privileges will not be reinstated until the SR-22 is properly furnished.
In terms of cost, the actual amount that your premiums will rise depends on the company where you're insured.
What will almost always happen is that your insurance carrier will reclassify you as a 'high risk' driver, thereby allowing the company to charge you the highest rates allowable given the circumstances.
Specifically, that could mean that your insurance premiums will double or even triple, but you'll have to work with your insurance agent to obtain a specific answer.
You can also expect those high rates to continue for that period of 39 months, or until your DUI comes off of your driving record.
The reasons for these difficulties are numerous in nature, but regardless of the specifics of your situation, you can expect to either lose or deal with a severely restricted right to drive for a period of time as set by the court that convicts you.
Aside from the conviction on your record and the driving restrictions, your immediate costs will most likely include the following:
- Legal fees
- Court costs
- Jail costs if you must serve time
- Alcohol assessment costs
- Fines
Below is a look at what could happen with your car insurance if you are convicted of a DUI in Arizona.
If you are still dealing with this DUI issue, contact a defense lawyer today to schedule an initial consultation.
Post-DUI Car Insurance If you are convicted of a DUI in Arizona, the DMV will keep that conviction on your record for a period of 39 months.
What that means is that if you apply for a car insurance policy and you've been convicted of a DUI in Arizona within that timeframe, the insurance carrier will realize this and quote you a higher rate.
Additionally, when your driving privileges are ultimately restored, the state requires that you obtain what's known as SR-22 insurance, which means that your insurance company must provide documentation to the state's officials that proves that you are insured as a driver.
Your driving privileges will not be reinstated until the SR-22 is properly furnished.
In terms of cost, the actual amount that your premiums will rise depends on the company where you're insured.
What will almost always happen is that your insurance carrier will reclassify you as a 'high risk' driver, thereby allowing the company to charge you the highest rates allowable given the circumstances.
Specifically, that could mean that your insurance premiums will double or even triple, but you'll have to work with your insurance agent to obtain a specific answer.
You can also expect those high rates to continue for that period of 39 months, or until your DUI comes off of your driving record.
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