Huntsville, AL- At USAttorneys we say it all the time: A DUI conviction is costly! A DUI conviction can cost a person in time, money (at least several thousands) and their freedom. It will also affect their auto insurance in a host of different ways and further complicate their lives.
Once you’ve been charged with a DUI, your license will be suspended immediately. Under Alabama’s laws, a first-time DUI calls for a 90 day suspension of your driver’s license which your auto insurance company may pick up on. Some auto insurance companies are very strict and will cancel your policy if your driver’s license has been revoked or suspended. Or, they may not allow you to renew, forcing you to look for another insurer and a possibly substandard policy.
If you were convicted, and you have served your sentence, you’ll probably want to drive again, which means you also have to get car insurance. This too can be a challenge because some auto insurers won’t even accept a person with a DUI conviction. You may have to do a great deal of looking around before you find a company to insure you.
But the pinch will come from your skyrocketing insurance premiums. Driving under the influence of drugs and alcohol are very risky behaviors that have a high likelihood of ending in a serious traffic accident. One-third of fatal traffic accidents in the U.S. annually are caused by impaired drivers and are costly for insurance companies. They make up for those losses by passing the costs on you.
How insurance premiums are calculated is a closely guarded secret, but you could see your premiums rise as much as 22 percent, according to Forbes. Over the life of your DUI, which could be several years—lookback period in Alabama is 5 years—the auto insurance aspect alone could cost you several hundred dollars, maybe thousands.
Your insurance woes will be significantly worse if your DUI was tied to a fatal or injurious accident. Some companies may not even consider issuing you a policy and if they do you can expect your premium to be exorbitant.
With your first DUI conviction, you can expect to pay between $600 and $1,200 just for your fines; then you have the legal fees you pay your Alabama DUI lawyer, the costs associated with DUI diversionary programs, and ignition interlocks. There are also a number fees you must pay to have your license reinstated. You can then add your higher insurance premiums to the mix and you’re looking at several thousand dollars or the overall costs of your DUI.
If you have been charged with a DUI, the first thing you should do is contact a DUI lawyer near your Alabama location today and get their expert advice. If you live in Huntsville, USAttorneys recommends the Morgan Law Firm P.C. to help you with your DUI charges. Attorney Chad Morgan is a former law enforcement officer which gives him insight into the legal process that can benefit the DUI clients he represents.