Insurance Curator 
Introduction
Getting a DUI/DWI conviction can be a life-altering experience. Not only do you have to deal with the legal consequences, but you also have to figure out how to handle your auto insurance. It’s a tough situation to be in, but don’t worry – we’ve got you covered. In this article, we’ll go over everything you need to know about handling auto insurance after a DUI/DWI conviction.
Understanding the Impact on Your Insurance
First things first, let’s talk about how a DUI/DWI conviction affects your auto insurance. Your insurance company will likely consider you a high-risk driver, which means your premiums will go up. In some cases, your insurance company may even cancel your policy altogether. It’s important to understand that this is a common consequence of a DUI/DWI conviction, so don’t be surprised if it happens to you.
Finding New Insurance
If your insurance company does cancel your policy, you’ll need to find new insurance. This can be a daunting task, especially since many insurance companies may be hesitant to insure someone with a DUI/DWI conviction. However, there are insurance companies out there that specialize in high-risk drivers, so don’t give up hope. It may take some time and effort, but you’ll eventually find an insurance company that’s willing to work with you.
Dealing with Higher Premiums
Once you do find new insurance, you’ll likely have to deal with higher premiums. This can be a tough pill to swallow, but there are ways to mitigate the cost. For example, you can take a defensive driving course to show your insurance company that you’re serious about being a safe driver. You can also shop around for the best rates and look for discounts that you may be eligible for.
Real-World Examples
Let’s take a look at some real-world examples of people who have dealt with auto insurance after a DUI/DWI conviction. John, for example, had his insurance policy canceled after his conviction. He struggled to find new insurance, but eventually found a company that specialized in high-risk drivers. His premiums were higher than before, but he was able to find discounts by taking a defensive driving course and bundling his auto insurance with his home insurance.
Another example is Sarah, who was able to keep her insurance policy after her conviction, but her premiums went up significantly. She shopped around for better rates and was able to find a more affordable policy with a different insurance company.
Conclusion
Dealing with auto insurance after a DUI/DWI conviction can be tough, but it’s not impossible. It’s important to understand the impact on your insurance and take steps to find new insurance if necessary. You’ll also need to be prepared for higher premiums, but there are ways to mitigate the cost. Remember, a DUI/DWI conviction doesn’t have to define you – with the right attitude and approach, you can get back on track and move forward with your life.
