Q: How will a DUI conviction affect my auto insurance premiums?
A DUI conviction in California can significantly impact your auto insurance premiums. Insurance companies typically view a DUI as a major violation, indicating a higher risk for future claims. This often results in increased premium rates, and in some cases, it might even lead to the insurance company deciding not to renew your policy.
If you are convicted of a DUI, it is likely that your insurer will perform an automatic rate increase, given that insurers track driving records and DUI convictions are public information. The length of time a DUI affects your insurance premiums can vary, but it usually remains on your record for a minimum of three to five years, during which you can expect elevated rates.
Additionally, you may be required to file an SR-22 form, which is a certification of financial responsibility proving you have the necessary auto insurance coverage mandated by California law. This requirement often entails higher premiums as it signals that you are a higher-risk driver. Thus, it is crucial to consider these implications when dealing with the aftermath of a DUI conviction.