Committing a minor offence while you are driving is something that might occasionally happen. Many people got e ticket for parking on the wrong place, or even for forgetting to use their turn signals. However, there are some more serious offences that have more severe consequences to you and your budget. One such offence is DUI, that is driving under the influence. If you commit and offence while you are DUI, the consequence is far worse than if you are not. So, what does this mean? Is getting an insurance after a DUI simply impossible? Well, luckily for you we have the answer in this article.
Some people believe that getting insurance after a DUI is nearly impossible. Let us clear things out for you. No, getting such an insurance is not impossible. In fact, there are a lot of insurance companies who offer this kind of service nonetheless. However, there will be certain consequences too. At the end of the day, committing a DUI is a really serious and possibly dangerous offence. You are putting the lives of yourself and everyone else on the road at risk.
As we said, you are guaranteed to have certain consequences, but which? For example, the DUI is going to stay in your driving records for at least three years. In most countries the number varies from three to five years. But there are certain countries where the number is much higher. For example, if you commit a DUI somewhere in California, it will stay on your driving record for at least 10 years. This is significantly longer than other countries.
It is also worth noting that there is a huge difference between criminal record and driving record. Yes, the DUI on the driving record might stay for three to five years, but it might stay on your criminal record for life. As we said, getting insurance after a DUI is not impossible, but you might face certain problems. Consequently, if you have a DUI on your driving record, the rate is guaranteed to go up. This is because such drivers are considered riskier than other drivers.
Also, other factors that are important here are the time passed after you commit a DUI, your age and your overall driving history. For example, if the DUI had taken place just weeks or even months before, the rate is much higher. On the other hand, if several years have passed, the rate will probably go down a bit. Age is important too. If you are a young driver without much experience and have a DUI on your driving record, the rate is going up.
Also, your overall driving history is very important. If this is your first DUI and you have not committed any other offences before, insurance companies take this into consideration and give you a much better rate. Getting such an insurance means that even if you are drunk and you crash your car, the insurance company is going to get you all covered up.
