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Auto Insurance Premiums After Drunk Driving Arrest
This forum thread applies to GCA FORUMS Insurance Expert @Brent . If someone gets arrested for a drunk driving offense, what happens to your auto insurance policy. Does the insurance carrier drop you? Do you need to get any other forms of insurance? Will there be a difference between auto insurance policy premiums with a driving under the influence dismissal in court and a driving under the influence conviction? Will the drink driving conviction affect your homeowners insurance coverage and premiums or is it treated independently. Thank you in advance, Brent
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4 Replies
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@brown Good Question!
Every insurance company has its own underwriting criteria for drivers with a DUI. Some may drop you, some may not renew you, and you might not qualify for other carriers.
In the eyes of insurance carriers, a DUI can be treated as negligence behind the wheel and risk the possibility of a claim payout as well if there was an accident to occur.
In most instances, depending on the state you are in, the law may ask you to carry an SR-22, which is essentially a way to help you get insurance in the standard market. This can become a premium headache as well. Usually, the SR-22 has a start and expiration date as well.
Just like any other kind of claim or ticket, a DUI leaves a blemish on your insurance score one way or another. A DUI makes auto insurance harder to obtain or even get at a fair price. As soon as your insurance score takes a hit from any blemish, there is a good chance that home premiums can be affected as well.
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If I had Goosehead Insurance and I got a DUI would I get canned by you guys
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Thank you for sharing your thoughts and expertise
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I have an assortment of carriers that I work with getting a DUI may lead to two items. These two items may consist of being non-renewed or surcharged next year with higher costs.
In the case you/clients are non-renewed we could find another carrier option in my portfolio that would work best for you/ clients.