Car Insurance After a DUI Conviction

How Does a DUI Impact Car Insurance in Florida?

While the legal repercussions of a DUI conviction are well-known, what many people often overlook are the lasting consequences that extend far beyond the courtroom. One of the most significant and long-lasting impacts of a DUI conviction is its effect on your car insurance.

Facing a DUI charge? Fight to protect your future with the help of an experienced criminal defense lawyer. Criminal Defense Attorney Brian Gabriel has over 30 years of experience fighting DUI charges in South Florida. Mr. Gabriel will handle your case using all the knowledge and skill developed over the span of his triple-decade career.

How Does a DUI Impact Car Insurance in Florida?

A DUI (Driving Under the Influence) conviction in Florida can significantly affect your car insurance. Florida has strict laws and penalties for DUI offenses, and insurance companies often view individuals with DUI convictions as high-risk drivers. Here are some ways a DUI can impact car insurance in Florida:

Increased Premiums

One of the most immediate impacts is an increase in your car insurance premiums. Insurance companies consider DUI convictions as a red flag, indicating a higher risk of accidents or other traffic violations. As a result, you can expect your premiums to go up significantly.

SR-22 Requirement

In Florida, a DUI conviction may require you to file an SR-22 form. Typically required for drivers who have committed a serious offense, this form is a certificate of financial responsibility proving you have the required liability insurance coverage.

Policy Cancellation or Non-Renewal

Some insurance companies may choose to cancel your existing policy or refuse to renew it after a DUI conviction. If your current insurer decides to drop your coverage, you may need to find a new provider, and securing affordable coverage may be challenging with a DUI on your record.

High-Risk Insurance

If you have difficulty finding a standard insurance policy after a DUI, you may be required to obtain coverage through a high-risk insurance provider. High-risk insurance is generally more expensive than standard coverage.

Consequences can vary depending on your insurance company, the details of your DUI case, and whether it is your first offense or a repeat offense. Consider seeking advice from an experienced criminal defense attorney who can help you navigate the legal implications of a DUI conviction and explore potential avenues for minimizing the impact on your driving record and insurance.

Mitigating the Impact of a DUI on Car Insurance in Florida

While a DUI conviction can undoubtedly have a severe impact on your car insurance, there are steps you can take to reduce the financial consequences:

• Complete DUI programs: Florida offers DUI programs that can help you regain your driving privileges sooner and demonstrate your commitment to responsible driving. Successfully completing these programs may be viewed favorably by insurers.
• Shop around: Do not settle for the first insurance quote you receive after a DUI. Shop around and compare rates from different insurance companies to find the best deal available to you.
• Drive responsibly: After a DUI, it is crucial to maintain a clean driving record. Avoid any further infractions, as additional violations can worsen your high-risk status and insurance rates.
• Partner with a DUI attorney: Realistically, the best way to avoid repercussions after you have been charged with DUI is to speak with a dedicated DUI lawyer in West Palm Beach. A skilled DUI defense attorney will work to protect your rights and may be able to negotiate with prosecutors for reduced charges or penalties.

A DUI conviction in Florida can have a profound impact on your car insurance, leading to increased premiums and potential policy cancellations. However, by taking proactive steps and hiring an experienced DUI lawyer, you may be able to mitigate the financial consequences of a DUI.

Consult a Dedicated Florida DUI Defense Attorney For a Free Consultation Today

Start with a free consultation today by calling Criminal Defense Attorney Brian Gabriel of The Law Office of Gabriel & Gabriel at (561) 622-5575. You can also complete an online contact form to learn more. He has specific experience challenging the results of the state’s breathalyzer test and can build a strong defense for your case.