Why Did My Insurance Go Up After A DUI?

February 15, 2017 · Posted in General Articles on Car Insurance 

Have you ever done something really stupid and then regretted it? Most people that drink and drive get behind the wheel not thinking of the consequences. However, the consequences of driving under the influence can go on longer than actually getting in the car.

Many times, we get in the car and don’t think about other people around us drinking and driving, but it happens. If you see someone swerving in and out of lanes, or doing anything could be dangerous, call 911 to report them. This way you get them off the road before they hurt themselves or others.

Many people drive after they drink, but they just get lucky and don’t get caught. However, it is careless to get behind the wheel after you drink and you take the risk of hurting yourself as well as others around you.

There are many things that can happen when you get in your car after you drink, such as hurting yourself or others, or even killing someone. If you get pulled over for a suspected DUI, you risk jail time, criminal charges, and a ticket. A DUI goes against your record for a very long time. If you get a DUI, it makes your insurance rates go up and takes a long time to get it off. Driving drunk one night can make you pay for a long time to come.

Once you get a DUI placed against your license, it can take years to recover. This shows the insurance companies that you are a high risk driver and your premiums should be raised.

Once you are classified as a risk, it is hard to get rid of that mark. If you made the choice of driving under the influence, you are likely to repeat that action. The next DUI you get you could kill or critically injure yourself or someone else. Your higher rates mean that the insurance company now knows that if this happens, they have enough to cover any accident or wreck that may occur.

Most insurance companies require you to file a SR-22 once convicted of a DUI. Having an SR-22 states that you have enough insurance to cover you in the case of an emergency, as required by your state. If your insurance goes up, it can stay high for the next several years. Even after the legal fees are over with, the consequence of driving under the influence still lingers for years to come.

The next time you want to drink, make sure you have a designated driver or you plan on getting a cab, because the consequences are stern.

Driving under the influence can hurt more than just you.


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