Q: What impact does a DUI conviction have on my insurance rates?

A:

A DUI conviction in California can significantly impact your insurance rates. When you are convicted of driving under the influence, insurance companies often consider you a high-risk driver. This categorization typically leads to increased premiums or, in some cases, the cancellation of your policy. Insurers may raise your rates by 20% to 200%, depending on various factors such as your driving history and the specifics of the conviction.

In California, insurers generally review an individual’s driving record and may subsequently classify them as high-risk after a DUI conviction. This higher risk status means that insurers are likely to respond with elevated rates, as they assess that you are statistically more likely to be involved in an accident. Furthermore, a DUI can remain on your driving record for up to ten years, influencing your insurance premiums throughout that period.

Additionally, during the policy renewal process, insurance companies may require you to disclose any DUI convictions. Failing to report this information can lead to further penalties, including denial of claims or even future cancellation. As a result, it is crucial to understand how a DUI conviction not only affects your legal standing but also your financial obligations regarding insurance coverage.

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Attorney at Law - DUI Specialist