If you’re facing
drug or alcohol-related charges in Orange County or anywhere else in California,
you’re probably concerned about being convicted, having your driver’s
license suspended, and let’s not forget – your auto insurance going through the roof.
If you are convicted of
driving under the influence (DUI), for your license to be reinstated you’ll need to have auto
insurance and you’ll have to obtain an SR22 certificate from your
auto insurance company, who will forward the certificate to the Department
of Motor Vehicles.
The SR22 is basically a certificate that proves you carry the minimum liability
insurance. All California drivers convicted of DUI are required to obtain
one from their insurance company. Here is a list of what you need to know
about auto insurance after a DUI conviction:
1. You can’t hide a DUI from auto insurance companies.
People can try to mislead insurance companies by pretending like they
were never convicted of DUI, but they will find out about it once they
check the person’s driving record before giving them a quote. Also,
insurance companies have the right to deny coverage to a driver because
he or she is considered “high risk.”
2. Don’t be afraid, you will find someone to insure you.
If you’re afraid that you won’t be able to find insurance
after a DUI, you don’t have to worry. There are companies that will
insure you. You can contact your insurance broker and ask him or her to
inquire with non-standard providers who insure high-risk drivers.
3. Aggravated circumstances can mean higher premiums.
It’s one thing to have a simple first-time DUI while you were driving
with your headlights off on a residential street. It’s a whole other
story to cause a DUI accident with bodily injuries while speeding. If
your DUI involves “aggravated circumstances,” your premiums
can be higher. While enrolling in DUI School won’t help your premiums,
a high credit score and the passage of time may help to lower your premiums
in the future. We recommend having your insurance agent check for better
4. Ask your DUI attorney for advice.
If you are convicted of DUI, don’t overlook your defense attorney
as a valuable resource. Ask him or her about auto insurance after a DUI
and ask for a referral for an insurance agent they know and trust –
your lawyer should be able to refer you to someone who can help.
Need an Orange County DUI lawyer to defend you?
Contact our firm to meet with Orange County’s
DUI Queen, Attorney Landry herself!