Due to the dangerous nature of driving under the influence of alcohol, those facing a DUI charge can expect substantial criminal consequences. By making these harsh penalties public knowledge, many people are automatically deterred from driving under the influence. After all, having a criminal charge on a person’s record can have lasting effects professionally and personally. But, there is another consequence of drunk driving that can also have a substantial impact on a person’s life. If you are charged with driving under the influence of alcohol, your auto insurance holder may deny you coverage or cause your monthly premiums to significantly rise.
INSURANCE COMPANIES MAY DENY YOU FUTURE COVERAGE
When a person has a DUI charge, he/she is automatically considered a higher risk driver and is seen by insurance companies as a liability – an expensive liability. Therefore, many insurance companies will not hesitate in dropping that person of insurance coverage. When this happens, you are on your own to find an insurance company that will insure you (at a much higher cost), or go through the state to obtain insurance in the higher-risk pool.
DRIVING UNDER THE INFLUENCE LEADS TO SIGNIFICANTLY HIGHER PREMIUMS
If an insurance company chooses to continue to insure you, you can expect your monthly premiums to skyrocket. For some insurance companies, the rates are more than double than the standard monthly rates and such payments can last upwards of four years. On top of this, you have to maintain a completely clean driving record for three to five years, meaning that even something relatively minor as a parking citation can cost you substantially more money and jeopardize your insurance.
WHAT SHOULD YOU DO IF YOU ARE FACING A DUI CHARGE?
Getting proper legal representation is one of the most proactive things you can do if you are facing a DUI charge. Some people may shy away from seeking a DUI lawyer because they think that it will lead to a financial strain; however, having an experienced attorney by your side may save you substantial time, money, and difficulties with your insurance. Contact McGraw Law & Associates at (575) 323-1529 so we can go over your circumstances with you and provide sound legal advice regarding your situation.