Get Pennsylvania DUI/DWI car insurance quotes, cost & coverage fast. Find the best PA car insurance premiums after a DUI/DWI conviction.
PA 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 PA auto insurance. Here we will discuss Pennsylvania car insurance premiums after a DUI/DWI.
How a DUI Affects Your Car Insurance
Pennsylvania 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 PA 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 Pennsylvania car insurance premiums after a DUI/DWI higher.
Anyone who has been convicted of a DUI in PA 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 Pennsylvania 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 PA 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, Pennsylvania car insurance premiums after a DUI/DWI is going to be quite expensive.
Why A Pennsylvania Car Insurance Policy Is Cancelled After A DUI
Many auto insurance providers will simply raise your Pennsylvania 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 PA 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 PA 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 are convicted of a first offense DUI in PA your license will be suspended for 12 months. To obtain your Pennsylvania Occupational Limited License (OLL), you will have to wait until 60 days of your 12 month suspension have passed before you can apply.
If you are convicted of a second offense PA DUI your license will be suspended for 12 months. During this time, you will not be eligible for driving privileges or an Occupational Limited License.
If you are convicted of a third DUI offense or more in PA your license will be suspended for 12-18 months. During this time, you will not be eligible for driving privileges or an Occupational Limited License.
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.
Pennsylvania 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 Pennsylvania 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 PA is a good place to start.
PA DUI/DWI Auto Insurance Quotes
Request a Pennsylvania Car Insurance With DUI/DWI quote in Allentown, Allison Park, Altoona, Baldwin, Bensalem, Bethel Park, Bethlehem, Bloomsburg, Carlisle, Chambersburg, Chester, Drexel Hill, Easton, Erie, Fullerton, Greensburg, Hanover, Harrisburg, Hazleton, Hermitage, Hershey, Horsham, Indiana, Johnstown, King of Prussia, Lancaster, Lansdale, Lebanon, Levittown, McKeesport, Monroeville, Murrysville, New Castle, Norristown, Philadelphia, Phoenixville, Pittsburgh, Pottstown, Pottsville, Reading, Scranton, State College, Upper Darby, West Chester, West Mifflin, Wilkes-Barre, Wilkinsburg, Williamsport, Willow Grove, York and all other cities in PA.
Pennsylvania Insurance Regulations
There are some regulations when it comes to Pennsylvania insurance that you should be aware of. We will be looking closely at both personal and commercial insurance within PA to find out what the regulations and limits are, so that whether you own a business or simply drive a car, you are able to get the insurance that is required by law. Understanding what the law requires the first step to making sure that you are compliant. Let's take a close look at these types of insurance.
PA Commercial Insurance
First, let's discuss business insurance. There are lots of different types of business insurance that you can get, but the most common one out there is what is called commercial liability or general liability insurance. This type of insurance protects you in case you are sued by someone who comes on your property and is injured or has their property damaged by something that happens on your premises. This may be something as simple as slipping on a wet floor or it might be a parking lot mishap the damages the vehicles there. However, this is not a mandatory type of insurance required by Pennsylvania law.
There are two types of insurance that are required in Pennsylvania however. These are pretty standard across most states. The first is Worker's Compensation insurance which is sort of like health insurance for anyone who is injured on the job. In addition, Pennsylvania requires that commercial vehicles that are actively being used in a business carry commercial auto insurance.
Pennsylvania Personal Insurance
You also need to know what the regulations are for personal insurance. The first type of insurance we will cover is auto insurance. In Pennsylvania, you are required to carry liability insurance for bodily injury of $15,000 per person and $30,000 per accident. In addition, property damage liability coverage is required at an amount of $5000. You are also required to carry uninsured motorist coverage at $15,000 per person and $30,000 per accident as well as underinsurance motorist coverage at $15,000 per person and $30,000 per accident. Finally, Pennsylvania requires first party benefits medical payments coverage of $5000. This is a great deal more than is required in most states.
There also some life insurance regulations that you will find under Title 40 of the state statutes. A free look period of 10 days is required for life insurance, there is a grace period on payments of 30 days and there is a guaranteed benefits and cash value law as well.
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.