Many adults enjoy an alcoholic beverage from time to time, and most do so responsibly. Unfortunately, some people have too much to drink and decide to drive. This is not only a violation of the law depending on your blood alcohol concentration, but more importantly, it can result in accidents, injuries, and fatalities.
Aside from these concerns, a conviction for driving under the influence (DUI) can cost you job opportunities in the future and affect your social life. Additionally, a DUI conviction may lead to difficulty in obtaining or maintaining auto insurance.
An Increase in Insurance Premiums
Most auto insurance companies will consider a DUI conviction a serious matter. Because your DUI is viewed as a reflection of your driving and safety habits on the road, your insurance provider will likely consider you a larger liability.
As a result, you will see a rise in your monthly insurance premium if you are still able to be insured. Please note that a DUI conviction does not automatically disqualify you from obtaining auto insurance, but some insurers may decide that the liability imposed by a convicted driver is too high.
If you’re still insured, the increase in premium costs can be affected by factors such as age, the amount of time that has passed since the conviction and any other infractions on your driving record. Premium increases may also stick around for a long time after your legal matter is settled post-conviction.
Special Insurance Requirements
In many states, an FR-44 form must be filed with the Department of Motor Vehicles confirming that you have liability coverage after a DUI conviction. Keep in mind that most courts will suspend the driving privileges of someone convicted of a DUI charge, so you will need to obtain FR-44 compliance after getting your license reinstated.
To remain in FR-44 compliance, you will likely need to pay extra each month on your insurance premium. This additional cost can vary depending on your insurer, but be aware that not all insurers offer FR-44 compliance insurance.
These additional costs may result in thousands of extra dollars coming out of your pocket depending on how long your state requires FR-44 compliance. This is on top of the higher premiums as well as fines, fees, and court costs associated with a DUI conviction.
If You’ve Been Arrested For a DUI Charge
While you’re encouraged to never drink and drive, there are circumstances in which you may find yourself wrongly charged with a DUI. These situations can be scary and complex, and this is why it pays to partner with an attorney to represent your interests.
If you’ve been arrested and charged with driving under the influence, you’re encouraged to contact the DUI attorneys at Monroe & King, P.A. You’ll have the chance to speak with a legal professional who can help you navigate the specifics of your unique DUI case. Additionally, your attorney can mount a defense on your behalf and provide courtroom representation if needed to help you receive the most positive outcome for your case.