DUI Auto Insurance: Coverage for the Convicted

2007-03-08 10:33:40

( Legal )



CONSEQUENCES FOR DUI

DUI auto insurance refers to a situation where you are trying to purchase a vehicle insurance after having been charged with a DUI or driving under the influence.

DUI auto insurance can be a complicated situation because some insurance companies will refuse to give you auto insurance when you have been convicted with driving under the influence.

The problem stems from the fact that an insurance company is in the business of earning money, as is with most companies. It is basically a risk versus benefits issue. When companies sell insurance, it is for an occurrence that may happen but may not necessarily take place. If you have been convicted with DUI, the possibility of your car being damaged increases substantially. This puts the insurance provider at greater risk of losing money if they provide you with DUI auto insurance.

OFF THE RECORD

However DUI auto insurance while tricky is not impossible to obtain. There are insurance companies who will still provide you coverage in spite of conviction but with much higher premiums. Specifically in Los Angeles, the rates for DUI auto insurance goes up higher than in most states. If you are in this situation, better retain the services of a Los Angeles DUI lawyer to better navigate through the complex state DUI laws.

A Los Angeles DUI lawyer’s, or any other drunk driving lawyer’s foremost duty is to try to keep the DUI conviction off your record so insurance companies will not be able to see it. This can be done based on the circumstances and the gravity of the case involved. That is why it is very critical to get a DUI lawyer at the onset of your case.

If your lawyer succeeds at keeping the conviction off the record then there is no need for DUI auto insurance. However, you should remember that a DUI case should not be taken lightly. If you did it once you may do it again, but the next time around you may not have a second chance


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