Can an insurer drop me if they find out I got DUI conviction? 46 Answers as of May 30, 2013

I am applying for automobile insurance and this company refuses to transact with me because of my DUI conviction. Can they do that?

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Cornish, Crowley, Rockafellow, & Sartz, PLLC
Cornish, Crowley, Rockafellow, & Sartz, PLLC | Jacob Peter Sartz IV
Yes, depending on your contract.
Answer Applies to: Michigan
Replied: 6/21/2012
Freeborn Law Offices, P.S.
Freeborn Law Offices, P.S. | Steve Freeborn
Yes, your insurer could drop you... depending upon the terms of your coverage. I would look at your policy. You may also be required to carry SR22 (high risk) insurance. This can be expensive.
Answer Applies to: Washington
Replied: 4/3/2012
Law Office of Phillip Weiser
Law Office of Phillip Weiser | Phillip L. Weiser
Yes, an insurer can drop you or raise your rates due to a DUI conviction.
Answer Applies to: Kansas
Replied: 3/26/2012
Palumbo and Kosofsky
Palumbo and Kosofsky | Michael Palumbo
Yes.
Answer Applies to: New York
Replied: 5/30/2013
Correia-Champa & Mailhot
Correia-Champa & Mailhot | Susan Correia Champa
Yes they can. Different insurance carriers have different requirements. You can obtain insurance but not all companies will provide coverage.
Answer Applies to: Massachusetts
Replied: 3/26/2012
    Robert Mortland
    Robert Mortland | Law Office of Robert Mortland
    Yes, some insurances companies will not carry you due to a DUI. You must find an insurance company that offers SR22 insurance.
    Answer Applies to: California
    Replied: 3/26/2012
    Grantland, Blodgett, Shaw & Abel
    Grantland, Blodgett, Shaw & Abel | Gregory M. Abel
    Yes. Insurance companies are private businesses and make their own decisions about who to insure and at what rate. If you read your policy, the contract between you and your insurance company, you will see that they have the right to refuse to insure anyone.
    Answer Applies to: Oregon
    Replied: 3/26/2012
    Law Office of Richard Williams
    Law Office of Richard Williams | Richard Williams
    It is permissible for your automobile insurance carrier to terminate your covereage for a DUI conviction or for any number of other reasons.
    Answer Applies to: Alabama
    Replied: 3/26/2012
    Law Office of Gregory Crain | Gregory Crain
    Yes.
    Answer Applies to: Arkansas
    Replied: 5/30/2013
    Law Office of Eric Sterkenburg
    Law Office of Eric Sterkenburg | Eric Sterkenburg
    An insurance company can set the rules that govern who are accepted as a client. It is not illegal or uncommon for a company to refuse or charge extra to insure a driver with a DUI.
    Answer Applies to: California
    Replied: 3/26/2012
    Russman Law
    Russman Law | Ryan Russman
    Yes.
    Answer Applies to: New Hampshire
    Replied: 5/30/2013
    Betts Legal Services
    Betts Legal Services | Shawn M. Betts
    Of course they can. There is no law that forces a company to give insurance to a person. They are private companies who can choose to do business with whomever they choose. If they refuse to provide you with coverage, you need to find a company that will, and there are plenty, although you will likely pay higher premiums.
    Answer Applies to: Minnesota
    Replied: 3/23/2012
    Law Offices of John Carney
    Law Offices of John Carney | John Carney
    Drunk driving is like firing a gun at a moving train and hoping that no one gets hit by the bullets. You are now a high risk for insurance and some companies will not want to insure you for any amount. There are insurance companies who will give you a policy but it will be very expensive. Do an online search and call The General and 10 other companies that specialize in high risk insurance.
    Answer Applies to: New York
    Replied: 3/23/2012
    Law Office of Neal L. Weinstein
    Law Office of Neal L. Weinstein | Neal L. Weinstein
    Yes.
    Answer Applies to: Maine
    Replied: 5/30/2013
    Timothy J. Thill P.C.
    Timothy J. Thill P.C. | Timothy J. Thill
    Possibly, they will drop you, even if they don't, be assured that your premiums will sky rocket.
    Answer Applies to: Illinois
    Replied: 3/23/2012
    Law Office of Richard Southard
    Law Office of Richard Southard | Richard C Southard
    Yes they can. There is no obligation that an insurance company insure you.
    Answer Applies to: New York
    Replied: 3/23/2012
    Nelson & Lawless
    Nelson & Lawless | Terry Nelson
    Yes. Most will refuse coverage.
    Answer Applies to: California
    Replied: 3/23/2012
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