A DUI (Driving Under the Influence) charge can have serious consequences in terms of both legal penalties and your everyday life. In California, a DUI conviction can significantly affect your car insurance rates among other things. If you are being charged with a drunk driving offense it is crucial that you learn about your legal rights and options to avoid the significant and detrimental consequences of a conviction. Reach out to an experienced Tehama County DUI lawyer at Cohen Criminal Law to discuss your case and obtain skilled representation today.
How Does a DUI Affect My Car Insurance Rates in CA?
When you are convicted of a DUI in California, it can affect almost every aspect of your life including your car insurance. In California, after a DUI your insurance provider can raise your rates. According to studies, drivers with a DUI conviction are statistically more likely to be involved in accidents than those who have never been convicted of drunk driving.
Insurance rates are calculated by using risk assessment tools. Because a DUI conviction is a sign of a higher likelihood of future claims, you will likely see a substantial increase in premiums. On average, rates will increase anywhere from 30 to 148% after a DUI conviction. For example, if your previous premium was $1,000 per year, you could see it rise to $1,300 or even nearly $2,500.
The amount your rates will increase depends on your prior driving record, the severity of your offense, and the insurance company’s policies.
Can My Auto Insurance Be Canceled After a DUI?
California state law prohibits auto insurers from canceling or dropping coverage before the policy ends, regardless of the reason. Even if you are convicted of a DUI your insurance provider cannot cancel your policy if it has not expired.
However, when the policy is up for renewal, your insurer has the right to cancel and refuse to renew your policy. You are considered a high-risk driver after having been convicted of driving under the influence so some insurers will not want to cover you as there is a higher chance that you will engage in drunk driving again in the future.
How Long Does a DUI Stay on the Driving Record?
After being convicted of a DUI in California, the charge will remain on your record for 10 years from the date of your arrest. There is no way to expedite this process or have it removed before the 10-year mark is up.
Many insurance companies will begin lowering your rates 3 to 5 years after your conviction, but it could take longer for providers to disregard your DUI when calculating premiums. It is crucial that you understand your legal rights and options. Consult with a skilled attorney for more information today.
