Here is a list of common questions that get asked for clients who have been charged with impaired driving also commonly known as DUI in regards to car insurance.
- Will my rate automatically increase with my car insurance company after getting a DUI?
- In order for your rate to increase as a result of an impaired driving charge, you first have to be convicted and have it show up on your record. After which when your insurance company goes to renew your policy a record check is performed and at that point the insurance company may apply a surcharge or they may actual cancel your policy by way of registered letter giving you 30 days.
- How much will a DUI increase my car insurance?
- It is impossible to say how much on average an impaired driving charge can increase your car insurance price, but typically if you are insured with a regular insurance company they may not want to renew your policy in which case you have to go to a high risk insurance company. At that point the rate will determine on many factors including other tickets, accidents, the type of vehicle you drive, where and how much you drive. There is not 1 single factor but many that all contribute to a unique and personal rate for your car insurance.
- How long will a DUI be on my record?
- From the date you have been convicted with an impaired driving it will take 3 years to be off your record.
- Can I cancel my policy during the term if my DUI falls off my record?
- Yes, you can cancel your policy but standard cancellation penalties apply. Another, alternative depending on the high risk insurance company you might be insured with, some companies allow to delete a surcharge at the time of your policy drastically reducing the price.
- How can I save on my insurance while I have a DUI?
- As mentioned above, many factors contribute to the price of car insurance such as the type of car you drive, where you drive, how much as well as past driving history and licensing dates. That being said, a great way to save with some high risk insurance companies if they also offer home insurance you can bundle the home and auto together to get a discount.
Get a Quote on Car Insurance with Impaired Driving Conviction
(Don’t Forget to Input the exact conviction date of your Impaired Driving Charge)
- Can I drive someone else’s car
- Ask the insurance company insuring the car, but the chances are the answer will be NO. While convicted with an impaired driving charge for the minimum of 1 year (and sometimes longer) you need to have an ignition interlock system in order to drive a vehicle. If the time for the ignition interlock has now expired and you no longer require it but still have an impaired driving charge and borrow a friend’s car you can find yourself in a big trouble. Why? If there is a claim while you are driving with an impaired driving conviction, the insurance company will most likely deny the claim. The reason being is, most regular insurance companies will not insure you if you have a DUI and their rules (which are filed with the government) is that someone with a DUI conviction does not qualify to be insured with them.
- Do I have to tell my insurance company I was charged with a DUI?
- YES – Here’s why – any material change to your application for car insurance needs to be described to your car insurance company. When you are applying for new insurance you have to disclose all tickets and accidents.
- What happens when my record gets better?
- When your record gets better we can look at quotes with other insurance companies that we represent. Depending on the insurance company you are with while having the conviction, we may also be able to delete the conviction when it comes off to have your rate back down immediately before your renewal date so no cancellation penalties get paid.
- What Date Do the Insurance Companies Look at When the DUI Happened or The Conviction Date?
- Always the Conviction date.
- Anything else I should know?
- Having a conviction for impaired driving is a serious matter. Our service is private, professional and personal. We are here to help. Humberview Insurance Brokers ltd is an insurance brokerage in Ontario that has providing car insurance and high risk car insurance for over 35 years.
Get a Quote on Car Insurance with Impaired Driving Conviction
(Don’t Forget to Input the exact conviction date of your Impaired Driving Charge)