DWI And Insurance

Another Impact Of A DWI Conviction

Being convicted of DWI comes with many significant consequences, many of which are determined by the court. One common penalty that lies outside of the  prosecution’s realm, however, is the effect of a DWI on insurance premiums.

Increasing rates for auto insurance may be thought of as routine after a DWI conviction. Insurers see those who have been found guilty of drunk driving offenses as higher risk accounts. In fact, many people convicted of drunk driving are dropped by an insurance provider, making it necessary for them to seek out a policy with another company.

How A DWI Affects Insurance Rates

Most people want to do everything possible to have their driving privileges reinstated after a license suspension or revocation. As part of this process, motorists must prove to the state of New York that they have sufficient liability coverage as determined by law.

An SR-22 is the form that must be submitted as proof that you have adequate liability insurance after DWI offenses. Unfortunately, being convicted of drunk driving can make it very difficult for you to get an insurance company to provide coverage. Especially if you have a history of drunk driving, securing insurance from any company may prove challenging.

In the event that you are offered a policy, it may be necessary for you to endure premium increases that are up to three times greater than what you were paying for insurance. Factors that may influence the amount of your premiums may include:

• The number of DWI offenses you have been convicted of
• Other items that are present on your driving record, including moving violations like speeding
• Whether you had a child under the age of 16 in the vehicle at the time of a DWI arrest
• If you were charged with a standard DWI or an aggravated offense
• Whether you were involved in a car accident while driving intoxicated
• In the event of an accident, the level of injuries and property damage involved

These are only some of the factors that affect DWI  insurance premiums. A company’s proprietary premium schedule is also likely to play a role.
 

Contest The Charges Against You: Hire A New York City DWI Lawyer

If you’re like most people, you rely too heavily on your car to give up driving. Upon being convicted of DWI, heightened insurance rates may seem a necessary evil, especially if you have to drive to get to work or fulfill household obligations. Rate increases may seem just another inevitable expense in the full the cost of a DWI.

You currently have a wider array of options, however, if the outcome of your case is still in the balance. With the help of an attorney, you may be able to create  a successful defense against drunk driving charges that may help you avoid not only DWI-related insurance increases, but also fines, a driver’s license suspension, jail time and other punishments. A lawyer can answer frequently asked questions about DWI charges and be an important resource for your case.