DUI Conviction Impact on Insurance

In addition to impacting your personal and work life, a DUI conviction can have a significant impact on your auto insurance. Typically insurance companies raise the costs of your insurance premiums, usually for the next three to five years or longer. After that time, you must maintain a spotless driving record in order to get back to the preferred status you may have had with your insurer. Rates after a DUI may double or triple or rise even higher from your rates before the conviction. Other factors, such as at–fault accidents and excessive tickets, can combine with a DUI conviction to raise your rates even further.

Required Proof of Insurance After DUI

After a drunk driving conviction, most states, including Michigan, require the driver’s insurance company to file an SR–22 proof of insurance form. This provides proof to the state that you are insured, which is a necessary step in reinstating your driver’s license. SR–22 insurance is typically more expensive than regular auto insurance, and not all insurers will provide you with an SR–22. In Michigan SR–22 insurance is required for three years after a DUI conviction.

Not all insurance companies offer SR–22 policies. Many insurers cancel the policies of drivers with DUI convictions, and sometimes cancel the policy based only upon an arrest for drunk driving, even if you are ultimately exonerated.

Call for a Free Consultation with a MI Lawyer form Grabel & Associates

At Grabel & Associates, we understand all of the difficulties that come with a charge of driving under the influence of alcohol or drugs. Our lawyers will provide you with seasoned guidance regarding all of your options, defend you aggressively in court, and help you to put the pieces of your life back together. 

If you face DUI charges, call for a confidential consultation with a Michigan attorney at (800) 342–7896.

 

Client Reviews

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If you are reading these reviews you are about to make a decision that will have a large impact on the rest of your life. I choose Grabel and Associates to represent me in my case and I could not have been more satisfied with the level of professionalism and dedication to their clients. I had the opportunity to meet and work with multiple lawyers in the practice all of which showcased a vast knowledge and understanding of the inner workings of the legal system. When you choose Scott Grabel to represent you will open yourself up to all of his resources. Depending on your case Grabel knows experts in all fields. I worked with polygraph examiners, investigators, and forensics experts. Grabel and Associates will defend without prejudice of innocence or guilt. Scott Grabel was able to lead me through every step of the process with great communication the whole way. I would recommend Scott Grabel and Associates to my friends, family and anyone who is in need of representation. B. A.
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Best attorney in state of Michigan. Caring and a true friend. Scott was with us every step of the way. He fought for a great injustice for our son and was able to provide an outcome that gave his life back. L. A.
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Scott and his firm did an awesome job representing a family member of mine, I would highly recommend him and his firm! They were extremely reliable, trustworthy and very informative and did a great job with the case. I couldn't be happier with the results that we received, I can't speak highly enough about the great job he did. If you are thinking about using his firm, I would highly recommend, I would definitely use his firm again if needed, he is an a great attorney with a great firm, you won't be disappointed! M. F.