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DUI Insurance Rate Lawyers
What are Insurance Rates?
Automobile insurance rates are the payments each automobile owner must make to be covered by insurance. Insurance companies have a number of options when a member is convicted of a DUI. First, insurance companies can drop a policy holder and require him or her to find another insurance provider. Second, an insurance company can raise the rates of a person's car insurance. The rates of a person convicted of a DUI may be so high it might be necessary to change insurance companies.
What Steps Can I Take to Prevent High Insurance Rates?
There are a variety of steps a person convicted of a DUI can take regarding insurance rates. These include:
- Plea Bargain: A court might grant a plea bargain and have a DUI conviction stricken from the record. That individual will likely have many hours of community service and/or fines.
- Change Insurance Companies: A person convicted of a DUI can elect to change insurance companies. However, if must be noted a new insurance company will still be aware of the DUI convicted and will have higher rates. A comparison of a DUI offender¿s current rate and prospective new rate must be calculated.
- Stop Driving: The final option is not to drive for a period of three years. Most insurance companies raise insurance rates of DUI convictions for a period of three years. Therefore, deciding not to drive for that period might be a final option.
What is an SR-22?
An SR-22 is an insurance company form that removes a suspension order placed on a person¿s driving privileges. The SR-22 indicates to the DMV that a person is covered by that insurance company with some type of automobile insurance. A person that has been convicted of a DUI must have an SR-22 form to have their driver's license reinstated.
Should I Consult an Attorney?
An experienced criminal defense attorney can be extremely helpful in DUI cases. These defense attorneys can help to evaluate the evidence against a suspect and determine whether the field sobriety tests were administered correctly. In addition, experienced criminal defense attorneys might be able to reduce any penalties imposed on first time offenders.
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