Can you still get insurance if you have a drunk driving charge? 36 Answers as of June 21, 2011

I got a drunk driving. I was going 60 in a 45. I blew a .14. I only had a few drinks. Never been in trouble before. What happens to insurance? I already pay a lot and I need to know.

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Law Office of Peter F. Goldscheider
Law Office of Peter F. Goldscheider | Peter Goldscheider
Every insurance company has different polices with regard to insurance eligibility. There is no question that a conviction for DUI will cause a raise in your rates.
Answer Applies to: California
Replied: 6/20/2011
Thomas J. Tomko Attorney At law
Thomas J. Tomko Attorney At law | Thomas J. Tomko
You should check with potential insurance carriers. Many times it is not a question of whether you can get insurance. Rather, it is a question of how much you will need to pay I hope that this was helpful.
Answer Applies to: Michigan
Replied: 6/20/2011
Law Office of Richard Williams
Law Office of Richard Williams | Richard Williams
That is likely a matter between you and your insurance company. It is not uncommon for an insurance company to cancel your insurance if you are convicted of DUI. You may then be forced to have coverage with a company that is more expensive and has less coverage.
Answer Applies to: Alabama
Replied: 6/17/2011
Law Office of Thomas A. Medford, Jr., PC
Law Office of Thomas A. Medford, Jr., PC | Thomas A. Medford, Jr.
Generally if an insurance company believes that you would be an increased risk for becoming involved in an accident they could substantially increase your insurance rates. If the insurance company terminates your insurance coverage the majority of states have what is called "assigned risk" coverage which forces those company to accept higher risk drivers at higher fees. You should explore whether your jurisdiction has a diversion program if which the charges would be dropped if your complete an alcohol safety program. An attorney skilled in the defense of individuals charged with DUI and DWI could be helpful to you.
Answer Applies to: District of Columbia
Replied: 6/17/2011
Theodore W. Robinson, P.C.
Theodore W. Robinson, P.C. | Theodore W. Robinson
Unfortunately, you're going to be paying a lot more for your insurance once the DWI hits their records from the DMV. I suggest you hire a good criminal defense lawyer and fight the charges. You should be able to get insurance, but it won't be easy and it won't be cheap. Good luck.
Answer Applies to: New York
Replied: 6/17/2011
    The Law Office of Rosanne Faul
    The Law Office of Rosanne Faul | Rosanne Faul
    Your insurance rates will go up, but you can obtain insurance.
    Answer Applies to: California
    Replied: 6/17/2011
    Lowenstein Law Office
    Lowenstein Law Office | Anthony Lowenstein
    Yes, there may be an increase. For more information, please see my website.
    Answer Applies to: California
    Replied: 6/17/2011
    Law Office of Tracey S. Sang
    Law Office of Tracey S. Sang | Tracey Sang
    If you want to continue to have a license, the DMV will require you to buy special SR-22 insurance. It is, of course, an additional insurance expense.
    Answer Applies to: California
    Replied: 6/17/2011
    Law Offices of Scott G. Hilderman
    Law Offices of Scott G. Hilderman | Scott G. Hilderman
    Yes, but you will have to pay for expensive "high risk" insurance.
    Answer Applies to: Montana
    Replied: 6/16/2011
    Law Office of Phillip Weiser
    Law Office of Phillip Weiser | Phillip L. Weiser
    You should be able to get insurance, however the rates may be very high. You should compare various companies for their rates and restrictions.
    Answer Applies to: Kansas
    Replied: 6/16/2011
    Nelson & Lawless
    Nelson & Lawless | Terry Nelson
    Sure, but it is definitely going to cost more. If serious about hiring counsel to help you in defending this case, and if this is in SoCal courts, feel free to contact me. Keep in mind a little free advice: When you are arrested for DUI, whether alcohol or drugs, then upon release from jail or booking you were given documents that included a notice that you have only ten days to file a request with DMV for a hearing on an appeal of an automatic one-year suspension of your license imposed by DMV. That is separate and runs consecutively with any suspension that may be imposed by the court. Contact DMV and do so, timely, then appear at your scheduled DMV hearing and present any supporting evidence and testimony. If you don't know how to do these things, then hire an attorney that does. If serious about hiring counsel to help you in this, and if this is in SoCal courts, feel free to contact me.
    Answer Applies to: California
    Replied: 6/16/2011
    Gregory Casale Attorney at Law
    Gregory Casale Attorney at Law | Gregory Casale
    Why are you giving up on your guilt already? Although you blew a .14, there are many ways to suppress a breath test and if you only had a few drinks and did well on the rest of the Field Sobriety tests you may have a triable case. As far as the insurance goes, yes, if you are found Guilty your insurance WILL go up.
    Answer Applies to: Massachusetts
    Replied: 6/16/2011
    The Law Offices of Gabriel Dorman
    The Law Offices of Gabriel Dorman | Gabriel Dorman
    Yes. You can still get insurance with a DUI conviction. Your premium will, without a doubt, go up. You should speak with your current insurance company about this and, if they drop you, there are others companies that will insure you.
    Answer Applies to: California
    Replied: 6/16/2011
    Michael Breczinski
    Michael Breczinski | Michael Breczinski
    Yes You can still get insurance but it is going to cost you a lot more.
    Answer Applies to: Michigan
    Replied: 6/16/2011
    Bloom Legal, LLC
    Bloom Legal, LLC | Seth J. Bloom
    You insurance premiums may well increase as a result of a conviction (if you have already been convicted). This is one of the many reasons to consider hiring an attorney to defend you against a DUI charge. The specific outcome of your conviction with respect to insurance will be based on the specific details of your case and your insurance company's policy. You may want to consider filing expungement proceedings to have your DUI conviction removed from your record if you are concerned about the impact it might have on your future. If you are interested in pursuing an expungement in Louisiana, we invite you to contact our firm at the information on this page for a free case evaluation.
    Answer Applies to: Louisiana
    Replied: 6/16/2011
    Law Office of Andrew Subin
    Law Office of Andrew Subin | Andrew Subin
    Yes, but the cost of the insurance will go up.
    Answer Applies to: Washington
    Replied: 6/16/2011
    Reeves Law Firm, P.C.
    Reeves Law Firm, P.C. | Roy L. Reeves
    Yes, but it may not be cheap. This is a question you should direct to your insurance agent.
    Answer Applies to: Texas
    Replied: 6/15/2011
    Pontrello Law
    Pontrello Law | William Pontrello
    Yes, but much more expensive.
    Answer Applies to: Florida
    Replied: 6/15/2011
    Law Office of Jared Altman
    Law Office of Jared Altman | Jared Altman
    Yes. You can get insurance. In the worst case scenario you can be put into an "assigned risk pool" where an insurance company will have to insure you. But, you may pay dearly.
    Answer Applies to: New York
    Replied: 6/15/2011
    LT Pepper Law
    LT Pepper Law | Luke T. Pepper
    Your insurance will probably go up due to the conviction. There is nothing really you can do about that but wait for a couple of years to see if your insurance comes down.
    Answer Applies to: Pennsylvania
    Replied: 6/15/2011
    Miller & Harrison, LLC
    Miller & Harrison, LLC | David Harrison
    Yes, it will be more expensive, though.
    Answer Applies to: Colorado
    Replied: 6/15/2011
    Craig W. Elhart, P.C.
    Craig W. Elhart, P.C. | Craig Elhart
    Typically, after the insurance company learns of your OWI, they will cancel you. Because car insurance is mandatory in Michigan, there is what is called the high risk pool. In the high risk pool, insurance companies are required to provide insurance but can charge an appropriate premium. So the answer is, yes, you can get insurance, it will just cost you a lot of money.
    Answer Applies to: Michigan
    Replied: 6/15/2011
    Michael Anthony Wing, P.C.
    Michael Anthony Wing, P.C. | Michael Anthony Wing
    You will likely still be insurable. You will likely pay a higher premium. Do not lie on the application because if you need the coverage, you will not have it. Stay well.
    Answer Applies to: Alabama
    Replied: 6/15/2011
    Law Offices of John Carney
    Law Offices of John Carney | John Carney
    Your summary states that you were speeding and arrested for DWI with a BAC of .14. You say that you "only had a few drinks" and want to know if you can still get insurance. First of all, you had to have at least 6-8 drinks to have a ,14 which is almost twice the legal limit of .08. Once you get your license back your insurance company or any other insurance company will charge you a very large amount every year because you are a big risk for them. You may injure or kill another motorist, crash your car, or total another car costing the insurance a huge settlement. If you are under 23 you are probably paying a large insurance payment for any type of vehicle, and that would double in a city like New York where there are a lot of accidents and theft losses.It may be cheaper to take a cab or ride your bike for a few years until your insurance goes down, but you can expect to pay $10,000 a year just for basic coverage in New York City.
    Answer Applies to: New York
    Replied: 6/15/2011
    Law Office of Rankin Johnson IV, LLC
    Law Office of Rankin Johnson IV, LLC | Rankin Johnson IV
    Yes, insurance will go up, but it's still available. It may reduce your insurance if you complete some sort of alcohol treatment, which is likely to be a requirement of your conviction anyway. Shop around.
    Answer Applies to: Oregon
    Replied: 6/15/2011
    The Law Offices of Robert L. Driessen
    The Law Offices of Robert L. Driessen | Robert L. Driessen
    You need to get SR-22 insurance, it will cost more.
    Answer Applies to: California
    Replied: 6/15/2011
    Austin Legal Services, PLC
    Austin Legal Services, PLC | Jared Austin
    You can still get insurance; you will just be paying at a much higher rate. I don't think any insurance company would completely drop you after one DUI, but your rates will go up. Talk to your insurance provider and shop around other companies to see which one will give you the best deal.
    Answer Applies to: Michigan
    Replied: 6/15/2011
    The Law Firm of Aaron Bortel Esq.
    The Law Firm of Aaron Bortel Esq. | Aaron Bortel
    Rates will probably go up, or they will drop you when it's time to renew your policy. You can look for lower fee insurance and shopping around can usually save you money.
    Answer Applies to: California
    Replied: 6/15/2011
    Fitzpatrick, Mariano, & Santos, PC
    Fitzpatrick, Mariano, & Santos, PC | Raymond J. Savoy
    You can get insurance but it will be very expensive until the dui charge is cleared from your driving history.
    Answer Applies to: Connecticut
    Replied: 6/15/2011
    Cynthia Henley, Lawyer
    Cynthia Henley, Lawyer | Cynthia Henley
    Your insurance premiums will go up. To determine the exact effect on your insurance, you should contact your insurance company. If you do not want them to know immediately, you can contact the company not through your adjuster and ask them general questions.
    Answer Applies to: Texas
    Replied: 6/15/2011
    West law Office
    West law Office | Russell West
    You can still get insurance however you will be required to show an SR22 certificate which proves you have insurance. Insurance companies will charge a higher rate for those needing SR22 insurance. Not all companies will issue this certificate so you need to check with your current insurance to see if they have SR22 insurance as you may need to go elsewhere.
    Answer Applies to: Washington
    Replied: 6/15/2011
    Andersen Law PLLC
    Andersen Law PLLC | Craig Andersen
    That's not a DUI or Criminal question. Insurance premiums are set according to your driving record, your credit rating and other mysterious considerations. Your question would best be put to your insurance agent. In Washington State, one must buy Sr-21 insurance which is high-risk insurance on top of their regular insurance.
    Answer Applies to: Washington
    Replied: 6/15/2011
    Law Office of Jonathan T. Sarre
    Law Office of Jonathan T. Sarre | Jonathan T. Sarre
    Sometimes your insurance carrier will drop you. You should check your policy. If not, as soon as they find out about it, your rates will increase.
    Answer Applies to: Oregon
    Replied: 6/15/2011
    Van Ness Law Group
    Van Ness Law Group | Varinia Van Ness
    Your rates will go up. Up to insurance company how much. Get a lawyer. It's possible your DUI can get reduced to a reckless or be beat all together. Want an appointment?
    Answer Applies to: Florida
    Replied: 6/15/2011
    Law Office of Jeff Yeh
    Law Office of Jeff Yeh | Jeff Yeh
    Given your age, you will probably not be dropped. And yes, you certainly qualify for insurance, just at double the rate (likely). You can save yourself some money with some increased risk by dropping everything except for liability, which is the minimum required by law.
    Answer Applies to: California
    Replied: 6/15/2011
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