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Wednesday, December 17, 2014

Effects of DUI on Auto and Life Insurance

What Will Happen to My Insurance if I’m Convicted of DUI?

If you have been arrested for driving under the influence (DUI) of alcohol or drugs, there are many consequences you may face.  One of them could be major changes to your car insurance policy.

When your insurer learns of your conviction and classifies you as a "high-risk driver," your rate could go through the roof. Rates can vary greatly among auto insurers but generally, rates increase after such a conviction. Your policy could also be cancelled or not renewed, especially if you are currently in a preferred rate class. If that happens you will be facing the dual challenges of having a DUI conviction and an insurance cancellation on your record.

Michigan requires that a DUI offender get a SR-22 form from his or her auto insurer. This form proves to the Department of Motor Vehicles (DMV) that you carry liability insurance and removes your license suspension. An SR-22 also requires your insurance company to notify the DMV if it cancels your auto insurance for any reason. You will likely have to file proof of insurance with the DMV for three to five years after a conviction.

It is not just auto insurance that can be impacted by a DUI conviction. If you seek life insurance after that conviction, you may face higher premiums. Being cited for driving under the influence of drugs or alcohol raises concerns by underwriters about a person’s lifestyle choices and therefore may make your life insurance rates go up. Those considered substance abusers, or who are suspected of such because of a DUI conviction, could pose an increased risk of an early death and early benefit claims. Substance abuse has a connection to motor vehicle and industrial accidents, suicides and crimes. With a DUI on your record, if you apply for insurance you bear the burden of proving it was the result of a lapse in judgment and not a sign of ongoing serious drug use or other risky behavior.

If you have been charged with DUI, given all the legal and financial consequences of a conviction, you need help from experienced DUI defense attorney Martin T. Lievois. He can be reached in Troy at (248)419-1566 or in Flint at (810)250-4550.


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| Phone: 810-232-3223
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| Phone: 248-498-2525

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