How a DUI May Affect Your Insurance
When you receive a DUI conviction, you are likely to face fines, court costs, suspension of your driver’s license, probation, and maybe even jail time. You may also be required to attend alcohol school, seek treatment, and install an ignition interlock device in your vehicle. While this may seem like more than enough punishment already, there is yet another consequence to getting caught drinking and driving: the impact your conviction will have on your auto insurance policy.
Skyrocketing Insurance Rates
If you have a DUI conviction on your record, your insurance rates are going to go up. That is a fact. The insurance companies even acknowledge that they are going to significantly increase your rates if you receive a DUI conviction. One insurance company’s website states, “DUIs = high-risk driving, high-risk driving = higher premiums.” Another’s simply states , we “will insure you regardless of whether or not you have a DUI, though we do charge you appropriately.”
The amount of your increase will depend on a number of factors, including:
- Your insurance company
- Your driving history
- The severity of your DUI (e.g., how drunk you were, and whether you were speeding or caused an accident)
- Whether you have other DUIs on your record already
If you have multiple DUI convictions, some companies won’t insure you. In fact, Florida law specifically allows insurance companies to cancel coverage if your license has been suspended. If your record is to the point where some companies won’t even cover you, you can expect your insurance rates to increase exponentially with those that will.
Most insurers will keep your DUI on your policy for five years.
Increased Coverage Requirements
In order to get your license reinstated following a DUI conviction, you will be required to obtain auto insurance with enhanced policy limits. Maintaining these higher policy limits will increase your monthly premiums as well. The insurance policy requirements for drivers convicted of DUI in Florida are:
- $100,000 for bodily injury or death to a single person
- $300,000 for bodily injury or death to two or more people
- $50,000 for property damage for a single crash
You will be required to keep this increased insurance for a minimum of three years. There is no way around this. To reinstate your license, the DHSMV will require you to submit a Form FR-44 with evidence of your new insurance policy – and this form must be signed by your insurer. If you cancel your insurance, your insurance company will notify the DHSMV.
Contact Us Today
These increased insurance costs alone are reason enough to fight your DUI arrest. At The Armstrong Law Group, P.A., we fight vigorously on behalf of our clients to help them avoid DUI convictions. To schedule a free case evaluation, call (904) 356-8618 or contact us online today.