Most major car insurances will not cover those that have been charged with a DUI in Arizona (Driving Under the Influence). Even if you are currently covered by insurance at the time of your conviction, your insurance company may very well cancel or raise your rates considerably.
If you’re like most people you simply can’t afford not to be driving, even after driving under the influence. A majority of people need to maintain their transportation options in order to make a living. We all make mistakes, but the law makes certain that you will definitely pay (monetarily) for the privilege to get back out on the road. Although there are many companies that will offer coverage for DUI/DWI offenders, it is important to do your research.
A good place to start with suggestions for reputable insurance carriers who cover DUI/DWI offenders is your attorney or legal counsel. Chances are this is not the first time they have been down this road and they may have some resources to start you in your search to find the best post-DUI conviction insurance for you. Another option is to search out a DUI specialist who can help you track down the best insurance rates/company for your particular driving record and circumstances.
When any insurance company offer rates on their premiums it is based on several factors, such as your past driving record, claim history, your age and sex to name a few. You can be almost certain that they will also be checking your credit report and confirming employment.
When there is a conviction of a DUI you will be required to carry a SR-22 Proof of Insurance in order to reinstate your license/driving privileges. The insurance company you select will file a SR-22 form on your behalf to release the suspension order placed by the DMV on your driver’s license.
Your insurance company can advise you as to what steps will need to be taken to ensure prompt issue of an SR-22, but here are a few suggestions to get you started:
1. Find out what is on your driving record Your insurance company will be checking your driving record to confirm the information you will be supplying them with; make sure it is accurate.
2. Contact the DMV find out what other fees might be assessed in order to reinstate your drivers license, or if you have any outstanding fines. You will not be able to move forward unless accumulated fees for parking/moving violations (past or present) have been paid in full.
With these steps in place you can then move on to researching your options for obtaining auto insurance. Speak with several insurance companies; make sure you shop around for the best rate.
Clearly the best way to keep your auto insurance, in any situation, is to keep your driving record clean and pay your premiums in a timely manner. Your insurance company will provide your local DMV with proof of coverage in order to keep your driving privileges active.
Remember to always go out with a designated driver and don’t drink at all if you are without one. If in doubt, call a taxi it is much less expensive to hire a cab to take you home than risk another DUI conviction that will come with harsher penalties and fines.