How a DUI Affects your Driving Record

Every time you`re cited for a moving violation or are involved in an accident, the incident is reflected on your driving record. Unfortunately, drunk driving arrests are no different – a DUI / DWI conviction on your driving record will prompt your car insurance company to sharply increase your rates or cancel your policy outright. However, one company is different – DUIAutoInsurance.com specializes in helping individuals just like you who have had the bad luck to be arrested for drunk driving to find affordable car insurance.

Items on your driving record are assigned a point value – typically one point for moving violations such as speeding tickets, and one point for accidents where you were at fault. These items typically stay on your driving record for three years. In contrast, a DUI / DWI conviction is assigned two points, and will remain on your driving record for 10 years. Actions associated with the DUI / DWI, such as a driver`s license suspension or a failure to appear charge, will also remain on your driving record for 10 years.

Car insurance companies use the information on your driving record to calculate their risk and determine the cost of your auto insurance policy. It`s based on the presumption that someone who has had moving violations, accidents or alcohol-related arrests in the past presents a greater financial risk.

Drivers who’ve been convicted of DUI / DWI are typically required to file an SR-22 form, or formal certificate of insurance. Because SR22 forms are only required after a drunk driving arrest, submitting one to your insurance company is like a red flag announcing your DUI / DWI arrest.

A DUI / DWI conviction will stay on your driving record for years to come, but it`s still possible to obtain affordable car insurance after a drunk driving conviction. DUIAutoInsurance.com can help you get the car insurance coverage you need to get back on the road after a drunk driving conviction. Just contact us today for a free, no-obligation quote.