Will a DUI Affect My Insurance?

Did you know that each year roughly 900,000 people are convicted of DUI charges?  Washington is in the top 10 states for the most DUI convictions per year.

According to the Washington State Department of Licensing, a DUI (Drinking Under the Influence) refers to anyone operating a vehicle while affected by alcohol, drugs, or both.  This applies to both legal and illegal substances; including  prescription medication and over-the-counter drugs.

DUI

What happens if I am convicted?

In Washington, a first time DUI conviction generally results in at least 24 hours in jail, a 90 license suspension, and large fines.  If you have prior convictions the penalties are much greater.

For more information on Washington State DUI’s please visit: http://www.dol.wa.gov/driverslicense/dui.html

How will a DUI affect my insurance?

If you are convicted of a DUI, you will likely see an increase in your insurance premiums for at least 3 years.  Why, you might ask?  A DUI will show on your motor vehicle report; which is one of many tools used in insurance for determining your rate.  In addition, after being convicted of a DUI, the state may require you to carry an SR-22 filing, which puts you into a category of “high-risk” drivers.  Some insurance companies do not even write insurance for a driver that has an SR-22 filing.  What is this SR-22 filing?  The SR-22 filing is a document provided through your auto insurance policy showing proof of financial responsibility and proof of insurance to the state.  SR-22 filings are often required for at least 3 years.

If you have a CDL or a company vehicle you may also run into complications through your employers insurance and/or your employer’s vehicle policies.

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