FLORIDA CRIMINAL DEFENSE ATTORNEYS - Law Firm covering Broward, Miami-Dade and Palm Beach
 
   
 
   

 
 
 



NEWS ABOUT OUR FIRM




   
Ft. Lauderdale Office
1132 SE Third Avenue
Fort Lauderdale, FL 33316

Miami Office
701 Brickell Avenue
Suite #1550
Miami, FL 33131

Boca Raton Office
2385 NW Executive Center Drive
Suite 100
Boca Raton, FL 33431

Contact Us
Toll-Free 24/7: 1-844-49-LEGAL
Broward:954-524-9990
Palm Beach:561-962-3531
Miami:954-524-9990

Email:help@o-firm.com

 


ARTICLES


How a DUI can affect your car insurance by DUI defense attorney Christopher J. O’Toole, Esq.

Driving under the influence is a serious offense. Aside from the fines, attorney fees, and license suspension, there are the more long-term consequences, such as the impact on your car insurance rates and coverage.

If you are convicted of a DUI, more often than not, your insurance company will find out about the DUI and will deal with you in one of two ways. Typically, your rates will go up, sometimes substantially, or, the company will simply cancel your policy. If your insurance company raises your premiums but keeps you as an insured, you will likely be labeled a “high-risk driver.” Most states require the insurance company to provide the state motor vehicle agency (DMV, MVD) with an SR-22 Proof of Insurance Certificate, which removes your license suspension by providing the state with proof that you are insured.

While this is all starting to sound fine and dandy, the catch is that not all insurance companies offer SR-22 policies. So your policy may be non-renewed or cancelled simply because the company can no longer provide insurance for you. In some states, insurers can’t cut you off in the middle of the policy term, so be sure to check on the laws where you live.

Another less-likely scenario is that your insurance company does not find out about your DUI because, for whatever reason, it slips through the cracks of red tape. Occasionally, your insurer will not raise your rates or cancel you if you’ve been a long time insured with no other blemishes on your record. But this is also pretty unlikely.

If your policy is cancelled or non-renewed, you will still be able to find insurance. It will not likely be one of the preferred carriers, like AAA, Allstate or GEICO, but some other well-known companies (such as State Farm and Progressive Insurance) as well as other smaller companies will cover you and file the SR-22 for you so your license may be reinstated. Your rates will most certainly be higher, particularly because a DUI violation remains on your driving record for anywhere from five years to the rest of your life, depending on the state you’re in. To find new insurance coverage after a DUI, it is probably best to go through an independent agent who works with many different insurance companies.

 





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Copyright 2014 - O'Toole Law Firm

The Attorneys at O'Toole Law Firm proudly serve the state of Florida including the areas of Fort Lauderdale, Miami - Dade, Palm Beach, and Naples
Fort Lauderdale Criminal Defense Lawyers for Miami, Dade, Palm Beach & Broward FL


Some Florida cities covered by our criminal defense lawyers are:

Coconut Creek, Coral Springs, Dania, Davie, Deerfield Beach, Fort Lauderdale, Hallandale, Lauderhill, Lighthouse Point, Margate, Miramar, Oakland Park, Parkland, Pembroke Pines, Plantation, Pompano Beach, Sunrise, Tamarac, Weston, Wilton Manors, Aventura, Coconut Grove, Coral Gables,
Hialeah, Homestead, Kendall, Key Biscayne, Miami, Naples, Boca Raton, Boynton Beach, Delray Beach, Jupiter, Lake Worth, Palm Beach

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