If you’re charged or convicted of a DUI or DWI, the legal and financial headaches are both lengthy and severe. Today we’re discussing how a DUI affects your personal auto insurance in Canfield.

Insurance companies don’t write specific DUI Insurance policies, but they sometimes market as if they do. In essence, a DUI insurance policy is still just a regular auto liability policy, but the monthly premium can be three to five times higher than a driver with a clean driving record pays.

A DUI will also cost a driver around $10,000 when it’s all said and done, and more if you include lost wages.

How a DUI Affects the Rates for Your Personal Auto Insurance in Canfield

The bottom line is that your rates are going to go up – a lot. It’s hard to quantify because every insurance company handles DUI cases differently. Rest assured, if you have any sort of preferred or safe driver discount, that will be gone either immediately or at your next renewal date.

Some companies may simply choose to drop you. Others may switch you to their high-risk division as soon as they learn of a DUI infraction.

DUI Q & A

DUIs are a hot topic these days; in fact, each month users search for the term “DUI” over 90,000 times per month. Today we’re providing answers to some of the most commonly asked questions regarding how they affect your personal auto insurance in Canfield.

How long will a DUI affect my insurance rates?

The length of time a DUI stays on your driving record varies from state to state. Many times, a DUI will drop off your driving record after 3-7 years. However, the infraction is likely to remain on your criminal record forever. After the citation is off of your driving record, your rates will return to normal. In most cases, a DUI will raise your insurance rates for a minimum of three years.

What if the DUI is removed?

Some states only allow it if there was a DUI arrest, but not if there was a DUI conviction. An expunged DUI is not visible to employers, credit issuers or other businesses trying to conduct a background check on you.

Will a DUI affect my parent’s personal auto insurance in Canfield if I was driving their car?

It depends whether you’re a named insured on your parent’s auto insurance policy. If you’re a named insured on their policy and you get a DUI, your parent’s car insurance rates will rise.

 If I had an accident and got a DUI, will it affect my claim?

Insurance companies have strict rules in car insurance policies regarding what they’ll cover and what they won’t.  Not many insurance companies are going to cover intentional car accidents and most insurers view drinking and driving accidents as intentional, not accidental.

If someone else drives my car and gets a DUI, will it affect my insurance?

If your friend gets charged with a DUI while driving your car, their insurance rates will go up, not yours. But if your friend is a named insured on the policy, make sure you report it.

Can I refuse to take a Breathalyzer?

Most attorneys would advise never to take them or any of the other field sobriety tests, as they are not required by law. However, not taking them will not stop a police officer from arresting you.

What if a person takes prescription medication? Can that affect the results?

A DUI is driving under the influence of ANYTHING. If it impairs your driving and risks the safety of others while you’re behind the wheel, you can be charged. Police can charge you with DUI if you have medication in your blood and have had just one alcoholic drink.

Knowledge is power – if you have any questions regarding your personal auto insurance in Canfield, we want to help! Call our office today at 330-337-9557 and we’ll be glad to answer any questions and address any concerns you may have.