DUI Insurance How Can You Get Auto Insurance After Dui from directautoinsurance.org
Introduction
If you have been convicted of driving while intoxicated (DWI), you may face a number of consequences, including fines, jail time, and a suspended license. But even after your sentence is served, you may still face challenges when it comes to car insurance. In this article, we will explore what you need to know about car insurance after a DWI conviction.
What is a DWI?
A DWI is a criminal offense that occurs when a driver operates a vehicle while under the influence of alcohol or drugs. In most states, the legal limit for blood alcohol content (BAC) is .08%. If a driver is found to have a BAC over this limit, they can be charged with a DWI.
How Does a DWI Affect Your Car Insurance?
After a DWI conviction, your car insurance rates are likely to increase significantly. This is because insurance companies view drivers with a DWI conviction as high-risk and more likely to be involved in accidents. In some cases, your insurance company may even cancel your policy altogether.
What Are Your Insurance Options After a DWI?
If your insurance company cancels your policy, you may need to find a new insurance provider. Unfortunately, many insurance companies will not provide coverage to drivers with a DWI conviction. However, there are some insurance companies that specialize in high-risk drivers and may be willing to provide coverage. You can also consider a state-sponsored insurance program, such as the Texas Automobile Insurance Plan Association (TAIPA) or the California Automobile Assigned Risk Plan (CAARP).
How Can You Lower Your Insurance Rates After a DWI?
While it can be difficult to find affordable car insurance after a DWI conviction, there are some steps you can take to lower your rates. One option is to take a defensive driving course, which can show your insurance company that you are taking steps to become a safer driver. You can also consider installing a breathalyzer ignition interlock device in your car, which can prevent you from driving if you have been drinking.
Conclusion
A DWI conviction can have serious consequences, including higher car insurance rates. However, with some research and effort, it is possible to find affordable insurance coverage even after a DWI conviction. By taking steps to become a safer driver, you can demonstrate to your insurance company that you are a responsible driver and potentially lower your rates over time.