DUI / DWI and Car Insurance
Car insurance carriers use potential risk to calculate their rates. A driver's risk of getting into an accident, having his or her car stolen, or colliding with an uninsured driver are some of the factors that affect insurance rates. Unfortunately, a drunk-driving conviction usually causes an insurance carrier to raise a driver's rates substantially, or cancel the policy altogether.
Many drivers arrested on suspicion of Driving Under the Influence (DUI) / Driving While Intoxicated (DWI) wonder whether they should immediately report the arrest to their insurance company. However, a driver who is merely arrested on suspicion of drunk-driving is under no obligation to report it. Because individuals are innocent until proven guilty, there is no need to contact an insurance company unless convicted of drunk-driving. An experienced California DUI / DWI attorney will aggressively defend a driver in a criminal case and give advice on how to communicate with an insurance company.
Many large national insurance companies will cancel a DUI driver's policy immediately upon learning about a conviction. Anyone facing a drunk-driving charge or who has already been convicted of DUI / DWI can contact DUIAutoInsurance.com for a free, no-obligation quote.
Another issue facing convicted DUI / DWI drivers is the need to file an SR-22 form, or formal Certificate of Insurance, in the wake of a drunk-driving conviction or a DMV Administrative Per Se license suspension. Because SR-22 forms are only required of DUI drivers, requesting one from an insurance company is like waving a red flag to announce a drunk-driving arrest. It's critical to consult with a California lawyer who focuses on drunk-driving criminal defense to learn the best way to approach the filing of an SR-22 form and other insurance issues in the wake of DUI / DWI arrest.
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