New Jersey Car Insurance Premiums After A DUI/DWI
(Quotes, Cost & Coverage)

Get New Jersey DUI/DWI car insurance quotes, cost & coverage fast. Find the best NJ car insurance premiums after a DUI/DWI conviction.

NJ Auto Insurance After DUI/DWI

New Jersey Car Insurance Premiums After A DUI/DWI ⋆ Quotes, Cost & Coverage

You were out at a work event or you were hanging out with friends and had one too many drinks. Against your better judgment, you decided to get behind the wheel of a car. You were wary of your decision, and as soon as you see those blue lights flashing in your rearview mirror, you know that you made a major mistake.

DUIs (driving under the influence) happen to the best of people. Unfortunately, while drinking alcohol may be fun and take the edge off, it also impairs judgment; even the most upstanding and law-abiding people have been arrested and charged with a DUI.

The ordeal of being arrested and charged is difficult, but the repercussions can affect you for a long time after the incident. Namely, it will affect your ability to drive. If you are granted permission to drive, you could find yourself facing difficulties when it comes to acquiring NJ auto insurance. Here we will discuss New Jersey car insurance premiums after a DUI/DWI.

How a DUI Affects Your Car Insurance

New Jersey car insurance premiums after a DUI/DWI. Your past driving record plays a big role in determining how much you are going to end up paying for NJ car insurance. A prior conviction of driving under the influence (DUI) or driving while intoxicated (DWI) is an indication to insurance companies that you are a risk. As such, there is a greater chance that you could repeat the same behavior in the future, which will end up costing them more money. In turn, it will end up making your New Jersey car insurance premiums after a DUI/DWI higher.

Anyone who has been convicted of a DUI in NJ is classified as a high-risk driver by auto insurance companies. This will end up having negatively impacting your insurance in a number of ways:

The New Jersey car insurance premiums after a DUI/DWI you pay will go up.
You will be required to purchase a more expensive "high risk" policy.
The NJ auto insurance that you had at the time of the infraction will most likely be cancelled immediately.

Moreover, the more high risk an insurance company saw you before your DUI conviction, the more difficult it will be for you to find coverage. And, if you do get coverage, New Jersey car insurance premiums after a DUI/DWI is going to be quite expensive.

Why A New Jersey Car Insurance Policy Is Cancelled After A DUI

Many auto insurance providers will simply raise your New Jersey car insurance premiums after a DUI/DWI, instead of cancelling out your policy completely. However, there are instances when an insurance provider will determine that it is in their best interests to end your coverage.

Why would a NJ insurance provider decide to cancel your existing coverage? There are several reasons, some of which include:

Your driving record before the DUI occurred was poor
You have received a DUI or a DWI in the past
You received a DUI or DWI before you were of legal drinking age (21)

In other words, if you were already deemed a high risk driver before your DUI, your NJ car insurance provider might find that there is little reason to insure you because you are a serious risk to them.

Ignition Interlock Devices

In certain states, people who are charged with a DUI will be required to install an Ignition Interlock Device to be able to legally drive. Like a breathalyzer, an ignition interlock measures the alcohol in a person's system. If that amount exceeds a pre-programmed level, then the interlock temporarily locks the vehicle's ignition so the driver can't start the car and drive.

Many states now use ignition interlock devices as an alternative to revoking driving privileges. These devices prevent drunk driving while giving those with DUI convictions the opportunity to attend school, got to work and perform other daily tasks.

If you were convicted of a first offense DUI in NJ your license will be suspended depending on your Breath Alcohol Concentration (BrAC). If your BrAC was greater than 0.08% but less than 0.10%, your license will be suspended for three months. If your BrAC was greater than 0.10%, your license will be suspended for seven months to one year. On the judge’s discretion, you may be required to install an ignition interlock device with a Breath Alcohol Concentration at 0.08% or higher.

If you were convicted of a second offense DUI in New Jersey within 10ears your license will be suspended for two years. You may still get back your driving privileges with the installation of an ignition interlock device.

If you were convicted of a 3rd New Jersey DUI offense within ten years of your second offense period - or have four or more alcohol offenses on record - your license will be suspended for ten years. You still may still get back your driving privileges with the installation of an ignition interlock device.

The SR-22 Form

In most states, if you have been convicted of a DUI, you will be required to fill out an SR-22 following your charge. The SR-22 form is used by the DMV to find out if your insurance coverage is valid. If the SR-22 reveals that you do not have valid auto insurance, the DMV will force you to surrender your license.

New Jersey High Risk Insurance After A DUI

A lot of auto insurance providers will offer those who have been convicted of a DUI with insurance, but it will be considered high risk insurance. A driver is usually classified as high risk if the insurance provider believes that the probability that the individual will be involved in another risky behavior while driving; a traffic infraction or an accident, for example.

Once you are classified high risk, your New Jersey car insurance premiums after a DUI/DWI rates will go up. The good news is, however, that if you maintain a clean driving record for a few years, your insurance rates can go back down again. Progressive DUI insurance rates NJ is a good place to start.

NJ DUI/DWI Auto Insurance Quotes

New Jersey Insurance

Request a New Jersey Car Insurance With DUI/DWI quote in Atlantic City, Bayonne, Bergenfield, Bridgeton, Camden, Carteret, Cliffside Park, Clifton, Dover, East Orange, Egg Harbor, Elizabeth, Elmwood Park, Englewood, Fair Lawn, Fort Lee, Garfield, Glassboro, Hackensack, Hawthorne, Hoboken, Jersey City, Kearny, Linden, Lodi, Long Branch, Millville, Morristown, New Brunswick, Newark, North Plainfield, Palisades Park, Paramus, Passaic, Paterson, Perth Amboy, Plainfield, Pleasantville, Point Pleasant, Rahway, Ridgewood, Roselle, Sayreville, South Plainfield, Summit, Trenton, Union City, Vineland, West New York, Westfield and all other cities in NJ.

Insurance Regulations In New Jersey

There insurance regulations that govern both business and personal insurance in the state of NJ. There are certain regulations that you want to keep in mind whether you are getting insurance as a private party, or you may have a business and are concerned about the regulations and oversight of your business insurance.

New Jersey Commercial Insurance

The regulations governing business insurance start with general liability insurance. General liability insurance protects you from lawsuits from people that come on your property with a variety of coverages. For example, it may protect against bodily injury, it may also protect against property damage caused by your business - for example, if your sign falls on someone's car - or it may protect against advertising, false arrest and lots of other different things that can happen. However, keep in mind that general liability insurance is not required in the state of New Jersey.

There are certain types of insurance that are required by businesses in New Jersey though. One of the regulations governing business insurance in New Jersey requires that anyone who has a full-time or part-time employee carry Worker's Compensation insurance to cover that employee. Workers comp is sort of like health insurance for employees that get hurt on the job.

In addition, NJ law says that employers must provide employee disability coverage to provide income for employees who are injured on the job and have to take time off due to a temporary or permanent disability. Finally, businesses in New Jersey are required to carry commercial auto insurance for company vehicles.

NJ Personal Insurance

The first type of personal insurance that will be discussing is auto insurance. Personal auto insurance in New Jersey requires that the driver carry $15,000 per person and $30,000 per accident in liability coverage. In addition, there must be an additional $5000 for property damage.

As far as life insurance regulations, insurance companies must be regulated by the Department of Banking and Insurance which maintains all records of insurance companies that are licensed to do business in the state. In addition, residents have a 10 day free look period, a grace period of 30 days and insurance companies must make payments in a timely fashion; which is within two months of receiving proof of death from the beneficiary.