For those who are looking for a car insurance after DUI Pennsylvania policy, there are affordable options available – but you have to know where to look. And, in most cases, this increase can result in hundreds of dollars per year. How long the increase will remain, the type of policy you need, and whether or not you will be dropped by your insurer, are all personal matters, and are a case by case basis. These are a few things you should know about car insurance after DUI Pennsylvania, how it affects your policy rate, and what might happen, especially if you are a repeat or habitual offender.
Car Insurance After DUI Pennsylvania
A DUI on your record doesn’t look good. No matter who your insurer is, car insurance after DUI is going to result in a major price increase. Some other things which can occur include:
- Your insurer will list you as a high risk driver.
- You will see major increase in your rates for your policy.
- You will be required to purchase a pricier, “high risk” policy.
- Your insurance can be completely revoked by your current provider.
Depending on your current driving record, past infractions, the type of infractions you have in your past, and how risky of a driver you were currently viewed as prior to the DUI, will all impact what your insurer decides to do about your car insurance after DUI Pennsylvania. In the event you are dropped, you do have the opportunity to get insurance with other providers, but it will cost you, especially when it is seen you were dropped by a previous insurer for the DUI charge.
Why Is Cancellation An Option?
When it comes to car insurance after DUI Pennsylvania, most insurers will simply list you as a high risk driver, and force you to purchase higher priced policies. But, in some instances, they do drop people who are insured, and have every legal right to drop you from their policy protection. So, what are some reasons your policy might be revoked or cancelled? A few reasons include:
- Driving record. Especially if you are a first time DUI offender, if you had a poor driving record prior to the conviction, you are likely to be dropped.
- Accident claims. If you have filed any prior to the DUI (even a first offense) insurers will think twice before letting you keep your policy.
- Before you turn 21. If your DUI comes before this age, many insurers will drop you, even with a first time conviction.
- Past convictions will also likely result in a policy cancellation. Especially if you are hit with a third or fourth DUI, it is more likely than not that your insurer will drop you right away.
What Is An SR-22?
If you have been hit with a DUI, this is a form all states will require you to file. It is basically a form to check with insurance providers, that you are covered with car insurance after DUI Pennsylvania. Everyone is required to have insurance. After a DUI, you can believe this is the first form you will file, and the DMV will check to see if you are insured.
High Risk Policies
Basically, a high risk policy is one where you are viewed as more of a risk on the road, due to the DUI conviction. If you are labeled as a high risk driver, your insurer will force you to buy high risk insurance coverage. This can end up costing you more annually, on top of the original policy you had through an insurer. Not everyone is placed under this “black list” with a DUI. But, you are likely going to see policy rates increase, and increase by a major amount after a DUI.
You should also know not all DUI charges are the same. A first time offender is going to see rates increase, but not nearly as much as a second, third, or fourth time offender. Further, if the DUI is coupled with speeding fines, and other penalties and tickets, these are viewed a little more harshly. It is possible to save a bit on car insurance after DUI Pennsylvania, but it won’t be much. Taking defensive driving courses, combining policies, and keeping your record clean for a few years, will help you save a bit, but not much.
You can get car insurance after DUI Pennsylvania. But, be aware of these factors, the huge price increase, and potential drops by insurers, especially if you are not a first time offender who is looking for an insurance policy.