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Impact of DUI Charges On Your Car Insurance

DUI Points have become quite a norm these days all around the US because of the rising number of accidents happening in the country. Each year, millions of accidents happen due to drunk driving, reckless driving, and speeding. The primary objective of these DUI points is to curb down their number.

So far, they have managed to make decent progress. With many new DUI charges introduced recently, the government expects huge progress with regard to reducing illegal delivery and possession of drugs and reckless driving in the coming months.

That being said, if you ever get caught and charged with a traffic ticket at these DUI points, you may have to face many issues, including a negative impact on your insurance cost. Find more details about it in the following paragraph.

DUI Charges And Insurance:

The car insurance companies take DUI charges very seriously and consider them a red flag. So, if you are stopped at any DUI point and the police officer present there finds out that you have violated any traffic rule, he may press one or more charges against you based on the condition you are in.

The best-case scenario is that you explain the situation to him, and he agrees, and the worst-case scenario is that he decides to take you under custody and put you behind bars immediately. If that happens, you may have to call your family members, friends, or anyone else to get you out of jail.

Even if that happens, you need to prepare yourself to fight a legal battle against the state. Only a skilled traffic violation lawyer can help you with that.

In case you are able to find an experienced lawyer on time, you may walk out free with all the charges dismissed. If not, then you have no other option but to pay the fine and accept the verdict given by the court. In such a situation, there are strong chances that your auto insurance premium may increase after a DUI.

Since insurance companies consider DUI crimes a serious offense, they start charging you an extra premium over and above the base rate every year. A few more such incidents can worsen the situation even further and force you to pay up to 100% more premium for availing same benefits as you were receiving earlier.