If you were recently arrested on suspicion of DUI, your car insurance may be the furthest thing from your mind. However, if you are convicted of driving under the influence, not only will you be facing the possibility of fines, license suspension, the installation of an Ignition Interlock Device (IID), and a DUI program, you will have to deal with your auto insurance – which is a whole other headache.
What will happen if I am convicted of DUI?
Generally speaking, auto insurance carriers don’t run a check on a policyholder’s driving record until it’s renewal time, or when the driver is applying for new coverage. In either scenario, the auto insurance company will be able to view any DUI convictions that you have had within the last 10 years.
If the DMV requires that you obtain an SR 22, then your insurance company will learn about your DUI. What is an SR 22? A California SR 22 is a certificate of insurance that says that you have met the state’s minimum requirements for auto liability coverage.
When your license has been suspended or revoked after a DUI conviction, the California Department of Motor Vehicles requires that you obtain an SR 22 before it reinstates your driver’s license, and the only way to obtain one is through your insurance carrier, who passes it along to the DMV.
Can my policy get canceled?
Under California’s insurance law, your carrier cannot cancel your policy midterm because you have a DUI conviction. This means that your insurance carrier cannot immediately cancel your policy or increase your premium because you just had a DUI. It can however, make changes to your policy once it’s up for renewal.
If you are facing DUI charges in Orange County, the best defense against skyrocketing insurance premiums is to avoid a DUI conviction in the first place. To fight your DUI, call the Law Offices of Virginia L. Landry, Inc. today!