DUI convictions can have a significant impact on your insurance rates. How long the conviction affects your insurance rates will depend on the insurance company and your state. Here’s what you need to know about DUI and car insurance.
Understanding The Long-Term Costs And Consequences Of A DUI
For anyone who has ever been arrested for drunk driving, the immediate consequences are clear:
- Costly fines
- The potential for jail time
- A mandatory suspension of your driver’s license
But what about the long-term costs? A DUI can affect your life in numerous ways, including your insurance rates, employment prospects, and ability to get loans.
Insurance rates will increase after a DUI. In some states, rates can triple. And since the law in most states requires insurance, this means that the cost of a DUI can last for years.
Your employment prospects may also be affected by a DUI. Many employers conduct background checks and may not want to hire someone with a DUI record. In addition, a DUI can make it difficult to get liability insurance if you’re self-employed.
Finally, a DUI can impact your ability to get loans. Many lenders view applicants with DUIs as high-risk and may deny them loans altogether or charge much higher interest rates. So if you’re planning to finance a car or buy a house, a DUI can cost you thousands of dollars.
Why You Need A Qualified Lawyer
Being arrested and charged with DUI is a serious offense that can have long-term repercussions. If you are convicted, you may face costly fines, lose your driver’s license, and even go to jail. That is why you must have qualified representation on your side if you face DUI charges. A DUI lawyer knows how to challenge your prosecution and build a strong defense. Don’t risk your freedom by trying to navigate the DUI process on your own. Instead, hire a qualified lawyer to represent you.