Car Insurance After DWI
If you were convicted of driving while intoxicated (DWI), your car insurance will most probably be affected. If your insurance company finds out about the offense, they most likely will temporarily suspend your policy, or even cancel it permanently. Another action that your insurance company could do is maintain your policy, but they will dramatically increase your rates because you will now be considered a “high risk driver.”
Obtaining new auto insurance coverage from another insurance carrier will also be difficult for you. A DWI conviction is a really serious offense that will severely impact your car insurance. If your policy has been canceled or not renewed, you can still get new insurance. Although many car insurance companies will not approve your application, there are still many companies who will insure you with a higher rate and as long as your driving license is reinstated. Some states will require an SR-22 document be filed prior to your driving privileges being reinstated. An SR-22 is a motor vehicle liability document provided by the insurer to your state motor vehicle agency.
This document is a proof of insurance which is needed to remove your license’s suspension.You should seek the service of a good DWI lawyer and they may be able to assist you in finding new car insurance. That is, after they help you fight your DWI case. You can also go to an independent insurance agent to help you find a new insurance carrier. Because independent agents usually work with many insurance companies, he or she can suggest some insurance carriers which are willing to insure you.
