My spouse has just received a DUI conviction. Will it affect my auto insurance?
Unfortunately, it will. If a spouse is found guilty of driving under the influence of alcohol or drugs, it will inevitably have an effect on the whole family. Luckily, there are a number of things that can be done to help alleviate the stress and projected increase in insurance costs.
How will the DUI conviction affect my family?
Once a DUI conviction has been issued, your spouse will be obliged to provide a SR-22 form to the local Department of Motor Vehicles. This must be provided as evidence that auto insurance is in place. Many motorists with a DUI conviction choose to drive illegally instead of paying the inflated costs associated with high-risk group insurance. Rates will rise dramatically and it can take between three to five years before prices come down again. If a vehicle is shared with a DUI driver, everybody on a policy where that motorist is named will be penalized.
What should I do now this has happened?
You will receive the best advice if you speak directly to your auto insurance company. Telephone lines are usually operated by trained professionals with experience in dealing with this type of situation. Furthermore, it might pay to speak to an independent insurance broker who may have access to a number of companies that specialize in providing insurance for DUI drivers. You should also find out a little more about insurance exclusions as there may be terms and conditions included within an existing policy that alleviates any financial penalties for other family members.