Remember Me
forgot your password?

Your Auto Insurance and a California Dui

According information given by the California Department of Motor Vehicles, as of January 1, 2007, if you request an out-of-house / public driving record printout, any DUI offense on your record will appear for 10 years from the violation date.

Under this new law, DUI’s that had previously been taken off a person's driving record have now been put back on. For example if you had a DUI back in 1998 and had it removed from your record 2005, and had since received a good driver discount, under the new law, the DUI would be back on your driving history and you may not qualify for a good driver discount again until 2008.

Many insurance companies check your motor vehicle record only once every three years or when you're applying for a new policy. Sometimes, accidents, tickets, and drunk-driving convictions can escape your insurer's attention or don't end up on your motor vehicle record. However, if your insurer does find out about a driving under the influence (DUI) conviction, you're likely to feel the pinch of higher rates and possibly policy cancellation or non-renewal. Shopping around will definitely yield the lowest rate, as they vary greatly.

There are two ways insurance companies generally deal with customers convicted of DUI. First, your insurer will likely raise your car insurance premiums and label you a high-risk driver if it finds out you've been convicted of DUI.

Second, your auto insurer may cancel your insurance mid-term or terminate the policy at the end of the term because of your DUI conviction, especially if you are currently in a preferred class. Your company will send you a notice stating why you've been canceled, and then you'll have to find another insurer while having a cancellation on your claims history and a DUI on your driving record.

Most state laws require DUI convicts to get an SR-22 from their insurers, so you can't hide. Your insurance company may have to provide the DMV with an SR-22 form, which removes your license suspension by providing the state with proof of your insurance. An SR-22 also means your insurance company is required to notify the DMV if it cancels your auto insurance for any reason. In this case, you'll likely have to file proof of insurance for three — sometimes five — years with your state's department of motor vehicles. Some insurance companies don't offer SR-22 policies, so you may also be non-renewed or canceled because your company can no longer provide what you need.
Certain states don't allow insurance companies to drop you in the middle of the policy term even for a DUI, so make sure There are two ways insurance companies generally deal with customers convicted of DUI. First, your insurer will likely raise your car insurance premiums and label you a high-risk driver if it finds out you've been convicted of DUI.

Second, your auto insurer may cancel your insurance mid-term or terminate the policy at the end of the term because of your DUI conviction, especially if you are currently in a preferred class. Your company will send you a notice stating why you've been canceled, and then you'll have to find another insurer while having a cancellation on your claims history and a DUI on your driving record.

Most state laws require DUI convicts to get an SR-22 from their insurers, so you can't hide. Your insurance company may have to provide the DMV with an SR-22 form, which removes your license suspension by providing the state with proof of your insurance. An SR-22 also means your insurance company is required to notify the DMV if it cancels your auto insurance for any reason. In this case, you'll likely have to file proof of insurance for three — sometimes five — years with your state's department of motor vehicles. Some insurance companies don't offer SR-22 policies, so you may also be non-renewed or canceled because your company can no longer provide what you need.

Certain states don't allow insurance companies to drop you in the middle of the policy term even for a DUI, so make you know the laws in your state.

andy taylor

Andy Taylor runs websites on DUI Lawyer. DUI Lawyer Guides provides free information on DUI related issues please check www.dui-lawyer-guides.com.

Rate this Article: 0 / 5 stars - 0 vote(s)
Print Email Re-Publish

Add new Comment



Captcha
0
1. Just a person (17:08, 12.01.2009)
DUIs are bad, it is wrong to place other people's lives in danger. But with that said, retroactively increasing the penality on someone that has paid their debt and moved on is not fair. I don't understand how justice is achieved in this case. However, I can see how the insurance companies get to make more money off people.

  • Latest Law Articles
  • More from andy taylor

Can I Locate Criminal Records On The Internet To Find Someones Court Cases

By: James Nash | 29/12/2009
Legal issues and court cases are always been a tiresome process, mostly because that you need to lose a lot of time to obtain the court cases that you’re looking for. Well, it doesn’t have to be that way because now, you can find all the court cases that you need on the internet.

Chapter 13 Bankruptcy Explained

By: Tony Mandarich | 29/12/2009
The reality of not being able to make ends meet in corporate and personal financial obligations has never rung more true than in the year 2009. Many business doors closed, foreclosure notes forced families out of their homes, unemployment rate was the highest it has been in over 20 years,...

New Warning Labels Required For Anti-Smoking Drug Chantix

By: Katie Kelley | 29/12/2009
Canadian health officials are concerned about serious Chantix side effects. The anti-smoking drug has been linked to psychotic behavior, including depression and suicidal tendencies. The Canadian government has issued a statement warning Chantix patients of the potential risks of taking the drug.

Monitoring Protein among Heart Failure Patients Does Little for Outcome

By: Katie Kelley | 29/12/2009
The presence of a particular protein does not foreshadow the risk of heart failure as previously thought, according to a Swiss study.

Landlord Tenant Forms Can Also Include Potential Insurane Coverages

By: james kahn | 29/12/2009
The landlord tenant relationship is susceptible to many disputes which may end the landlord in dilemma preventing him/her from using his/her property to earn income. There are many occasions in which the landlord and tenant may have differences regarding the usage and maintenance of the rental unit, increase of rent and the like. These differences may result in legal disputes jeopardizing the landlord's wellbeing.

Frequent Trademark Mistakes--Exposed!

By: Nina Kaufman | 28/12/2009
Creativity may be an intuitive process, but the procedures for protecting and enforcing creativity are not. Entrepreneurs can lose the ability to get and keep their trademarks if they're not careful. Here are a few samplings of the common pitfalls.

*CONTRACT TO BUY A CONDOMINIUM UNIT - WHAT TO LOOK OUT FOR?

By: DAVID TAN | 28/12/2009
Before you sign a condominium unit purchase contract, what contractual conditions should you look out for?

What does the Grand Jury do?

By: Kevin Jones | 28/12/2009
Explanation as to what the grand jury does.

Drunk Driving - Drunk Driving Facts

By: andy taylor | 14/07/2008 | National, State, Local
The facts about driving drunk include consideration of consequences

Dui Charges

By: andy taylor | 09/06/2008 | National, State, Local
The penalties for DUI / DAI / DWI convictions vary according to many factors, depending on the blood alcohol level, the number of prior convictions, the age of the accused (in the case of underage drinking), and the status of the driver's license at the time of the arrest.

A Staggering Statistics of Teenage Drunk Driving

By: andy taylor | 25/05/2008 | National, State, Local
Statistics show that approximately 70% of all teenagers drink alcohol, including 1 out of 10 children between the ages of 12 and 13.

What it Mean by a Las Vegas Dui Citation?

By: andy taylor | 06/05/2008 | Law
Today, it is not necessary that a person be drunk to receive a las vegas DUI citation.

5 Things Every Driver Should Know About Dui

By: andy taylor | 06/05/2008 | Law
5 Things Every Driver Should Know about DUI

Mother Against Drunk Driving(madd): is it Neo-prohibitionist?

By: andy taylor | 03/05/2008 | Law
MADD’s Goal: Is it Neo-Prohibitionist?

Your Auto Insurance and a California Dui

By: andy taylor | 09/04/2008 | Law
According information given by the California Department of Motor Vehicles, as of January 1, 2007, if you request an out-of-house / public driving record printout, any DUI offense on your record will appear for 10 years from the violation date.

Submit Your Articles Free: Signup
Article Categories




Use of this web site constitutes acceptance of the Terms Of Use and Privacy Policy | User published content is licensed under a Creative Commons License.
Copyright © 2005-2008 Free Articles by ArticlesBase.com, All rights reserved. (0.32, 5, w2)