The insurance company will either charge you off the hook for your rates or they may just terminate your policy, neither option is pretty. You will be a "high risk" driver for quite some time and possibly even be uninsurable. It may take a while for your DUI to reach the insurance companies but don’t get too excited as it always shows up.
The most trusted insurance companies won’t touch you for coverage so you will likely be stuck with some small no name insurance agency that will charge you an arm and a leg for your coverage. States determine how long the DUI will remain in your record but it could stay there for the rest of your life in some states.
Every state has authorization over DUI laws and car insurance coverage. Insurance companies provide a form SR-22 which is required by most states so that there is no way to hide a DUI conviction from your insurance agency. This form is the method used to get your license reinstated by verifying to the DMV that you possess, at a minimum, liability coverage.
The catch is that in many cases the insurance company is obligated to inform the DMV is you no longer have insurance coverage. After a DUI, you can expect your current premiums to possibly even double-if your carrier even renews your policy.
There is not anything that controls the amount that they are permitted to charge you for your insurance premiums consequently, you will be a sitting duck for insurance companies. It is extremely important that you never drive while you are intoxicated or impaired. One irresponsible decision can be a thorn in your side for years to come.
Article Source: http://www.medicalsupportforum.com
