Get New York DUI/DWI car insurance quotes, cost & coverage fast. Find the best NY car insurance premiums after a DUI/DWI conviction.
NY Auto Insurance After DUI/DWI
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 NY auto insurance. Here we will discuss New York car insurance premiums after a DUI/DWI.
How a DUI Affects Your Car Insurance
New York 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 NY 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 York car insurance premiums after a DUI/DWI higher.
Anyone who has been convicted of a DUI in NY 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 York 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 NY 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 York car insurance premiums after a DUI/DWI is going to be quite expensive.
Why A New York Car Insurance Policy Is Cancelled After A DUI
Many auto insurance providers will simply raise your New York 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 NY 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 NY 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.
Types of alcohol and drug-related violations in New York State:
- Driving While Intoxicated (DWI) - .08 Blood Alcohol Content (BAC) or higher or other evidence of intoxication. For drivers of commercial motor vehicles: .04 BAC or other evidence of intoxication.
- Aggravated Driving While Intoxicated (Aggravated DWI) - .18 BAC or higher
- Driving While Ability Impaired by Alcohol (DWAI/Alcohol) - More than .05 BAC but less than .07 BAC, or other evidence of impairment.
- Driving While Ability Impaired by a Single Drug other than Alcohol (DWAI/Drug)
- Driving While Ability Impaired by a Combined Influence of Drugs or Alcohol (DWAI/Combination)
- Chemical Test Refusal - A driver who refuses to take a chemical test (normally a test of breath, blood or urine).
- Zero Tolerance Law - A driver who is less than 21 years of age and who drives with a .02 BAC to .07 BAC violates the Zero Tolerance Law.
- A $300 - $500 fine.
- A minimum $250 annual assessment fine, for a total of $750 in fines over 3 years. This is part of the New York's Driver Responsibility Program.
- License suspension for 90 days.
- Possible enrollment in the New York Drinking Driver Program (DDP) and all the associated costs.
- Up to 15 days in jail.
2nd Offense - If you get a second DWAI/Alcohol charge in 5 years, you face:
- A $500 - $750 fine.
- A minimum $250 annual assessment fine, for a total of $750 in fines over 3 years. This is part of NY state's Driver Responsibility Program.
- License revocation for at least 6 months.
- Up to 30 days in jail.
- Possible enrollment in the New York Drinking Driver Program (DDP) and all the associated costs.
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 York 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 York 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 NY is a good place to start.
NY DUI/DWI Auto Insurance Quotes
Request a New York Car Insurance With DUI/DWI quote in Albany, Amherst, Auburn, Babylon, Binghamton, Bronx, Brookhaven, Brooklyn, Buffalo, Clarkstown, Clay, Colonie, Elmira, Glen Cove, Greenburgh, Hamburg, Hempstead, Huntington, Islip, Ithaca, Jamaica, Jamestown, Long Beach, Manhattan, Middletown, Mount Vernon, New Rochelle, Newburgh, Niagara Falls, Orangetown, Oyster Bay, Perinton, Poughkeepsie, Queens, Rochester, Rome, Rye, Schenectady, Smithtown, Southampton, Staten Island, Syracuse, Tonawanda, Troy, Union, Utica, Watertown, West Seneca, White Plains, Yonkers and all other cities in NY.
New York Insurance Rules & Regulations
In the state of New York, there are a couple of different types of insurance that are regulated by the state that you should be aware of - as well as the regulations behind them. Understanding what is required for business and personal insurance will help you make sure that you have the right insurance if you ever decide to open a business or even if you are simply looking for information on what kinds of personal insurance you need and what sort of oversight there is for them. Let's take a closer look at personal and business insurance in NY State.
NY Commercial Insurance
The first type of insurance is general liability insurance. Although general liability insurance is not required by law for New York businesses, it is a good thing to have. General liability protects companies from lawsuits that stem from slips and falls, damage to property while they are on the premises and a variety of other potential incidents that customers may file a lawsuit for. General liability simply keeps you safe in case something happens to someone on your property and they decide to bring a lawsuit against you.
In addition, businesses in New York must carry specific types of insurance such as Worker's Compensation insurance when they have at least one full or part-time employee. This does not apply to independent contractors and subcontractors. The only other regulation in New York is that commercial vehicles that are operating as part of a business must carry commercial auto insurance.
New York Personal Insurance
Now, we move onto personal insurance starting with auto insurance. New York State requires that anyone operating a motor vehicle carry liability insurance with $25,000 for bodily injury to one person and $50,000 total for a single accident. In addition, motorists must carry $10,000 for property damage as well.
There are also some regulations governing life insurance. In Article 32 of the New York Consolidated Law it says that residents have a free look period that is limited to 10 days, as well as a grace period of 31 days and then insurance companies must make timely payments within 30 days of receiving notification of the death. If the insurance company does not make these payments on time, then interest can be added to the amount owed. You can find out more about this life insurance information as well as information on the New York state guaranty that ensures that you will receive a payment even if your life insurance company goes out of business.
If you are looking for state specific car insurance premiums after a DUI quotes, costs and information: California Car Insurance Premiums After A DUI/DWI, Colorado Car Insurance Premiums After A DUI/DWI, Delaware Car Insurance Premiums After A DUI/DWI, Florida Car Insurance Premiums After A DUI/DWI, Illinois Car Insurance Premiums After A DUI/DWI, Kentucky Car Insurance Premiums After A DUI/DWI, New Jersey Car Insurance Premiums After A DUI/DWI, New York Car Insurance Premiums After A DUI/DWI, Oregon Car Insurance Premiums After A DUI/DWI, Pennsylvania Car Insurance Premiums After A DUI/DWI, Texas Car Insurance Premiums After A DUI/DWI, Washington Car Insurance Premiums After A DUI/DWI.