Navigating Car Insurance Post-DUI Conviction: 5 Essential Things You Need to Know
Being convicted of a DUI (Driving Under the Influence) can have profound effects on your life, including your vehicle insurance. Let’s look at five essential aspects you need to understand about your car insurance after a DUI conviction.
1. How Does a DUI Conviction Affect Your Insurance Policy?
Upon learning of your DUI conviction, different insurance companies will react differently. Your policy might be cancelled by some providers, while others might continue to offer coverage, albeit with significantly higher premiums. If you failed to disclose your DUI conviction, you might also be denied coverage outright.
2. Do You Need to Inform Your Insurance Company about Your DUI Conviction?
Typically, insurance companies require that you notify them about any DUI-related charges, including impaired driving, Over 80, or refusal to take a breathalyzer test. Failing to do so could lead to future claims being voided, essentially leaving you without coverage.
3. What Factors Does an Insurance Company Consider Post-DUI Conviction?
Your insurance company will consider several factors when determining your new premium:
- Driving Record: A clean record pre- and post-DUI conviction can help reduce your rates.
- Driving Safety Classes: Undertaking courses like the “back on track” can indicate your commitment to sober driving, reducing your risk profile.
- Car Make and Model: The type of vehicle you drive can also impact your insurance rates.
- Residential Area: Different provinces have varying insurance rates.
- Deductible: Opting for a high-deductible policy can save you money, especially with a clean driving record.
- Safe Driving Duration: Each accident-free year can help reduce your insurance rates.
4. How Much Can a DUI Conviction Raise Your Insurance Premium?
A DUI conviction will invariably lead to an increase in your insurance premiums. The extent of the increase depends on several factors, including your driving record and other aspects discussed above. You might also need to switch to an insurance company specializing in high-risk drivers. Generally, after a DUI, you can expect your premiums to increase three to five times compared to a driver without a DUI conviction.
5. Is Lowering Your Insurance Premiums Possible in the Future?
Yes, it’s possible to reduce your insurance costs post-DUI conviction. The key is maintaining a clean driving record. As insurance premiums are based on risk, the longer you drive without incidents such as speeding tickets, accidents, or claims, the lower your risk becomes. Over time, this lower risk can translate into lower premiums. However, achieving this can take several years, so it’s crucial to manage your expectations.
What are the consequences of getting a DUI on my car insurance?
If you're convicted of a DUI, it will likely have a significant impact on your car insurance. Your insurance rates are likely to increase, and you may have trouble finding an insurance company that is willing to cover you. Additionally, you may be required to purchase high-risk insurance, which can be much more expensive than standard car insurance.
How long does a DUI stay on my driving record?
The length of time a DUI stays on your driving record can vary depending on the jurisdiction and the specific circumstances of the case. In Ontario, a DUI conviction will remain on your driving record for a period of 10 years. During this time, it will be taken into account when determining your insurance rates and other driving-related penalties.
