One scary consideration for many drivers after a DUI/DWI arrest is the question of how it will affect their insurance premiums. If you have just had a DUI/ DWI, you probably haven’t seen any immediate changes to your insurance costs and you are wondering what is going to happen.
A DUI/ DWI conviction will probably have an effect on your premiums eventually. If you were deemed responsible for an accident related to drinking or drugs, your insurance company will be notified immediately. They will then do one of three things:
- Drop you from their coverage and require you look for another company
- Substantially raise your rates
- Place you in a new higher-risk category of coverage, which will either lower your coverage or your raise premiums (or both)
If you were simply stopped at a DUI checkpoint, your insurance company will probably not be notified unless your license is revoked or suspended by the DMV. If you haven’t yet been to your first appearance in court, any sort of temporary suspension (such as a suspension pending prosecution) will not have been reported.
This doesn’t mean you are in the clear, though. Insurance companies can run your driving history at any time and find out about your DUI/DWI and take the same actions they would for an accident. Insurance premiums can increase by hundreds of dollars. Typically, insurance agencies run a driver’s history once every few years, and if you ever change states of residency or insurance companies, they will run a check on your driving history.
Although in New York a DUI/DWI conviction won’t add points to your license, they will accrue what the DMV calls “negative units” on your record. Negative units are notes on your unseen record that will still be reported to insurance companies when they request your driving history.
In New York, the insurance companies get what is called an “abstract” of all the driving violations for which you have ever been charged. This would not only include your DUI/DWI, but also any speeding tickets or other infractions, all of which will affect your insurance premiums for up to three years after the incident.
The good news is that after three years if you have no other points against your name, your insurance company will no longer be able to penalize you for the DUI or DWI. Even if your current company drops your coverage, there are many other companies willing to take you on as a customer.
The best way to avoid this problem is by successfully contesting a DUI/ DWI charge and having it dismissed. Jason Steinberger is a DWI/ DUI Defense Lawyer in Bronx County with years of experience in successfully contesting DUI/ DWI cases. Even if he can’t have your case dismissed outright, he will fight to help you receive the best possible outcome. Jason Steinberger can be reached any time to discuss your case at 646-256-1007. Call now to get more information about your DUI/DWI case and get the support you need.