What happens to my policy if I get caught drinking and driving?
Driving under the Influence or DUI (DWI – driving while intoxicated and OWI – operating while intoxicated) is a very serious offense. While the penalties differ per state, the law is clear for all and insurance companies are right behind the law doing their share in trying to deter road accidents through stiff consequences. However, an insurance company will first wait for the results of the police findings and the events that will come up during the court hearing.
If the driver is proven to be under the influence of alcohol then in most states, the policy holder has to secure a special insurance policy. This is the SR-22. It comes with a much higher premium and can be required for a maximum period of 3 years. The previous insurance will be cancelled and considered forfeited. The insurance company will most likely deny any claims for liability. On the other hand, if you are a repeat offender, you will be permanently blocked from being approved by the insurance company.
Aside from the problems you will have with higher premiums, you could have a difficult time buying insurance with low premiums after the mandated special insurance period. To get insurance coverage, you will need to show your valid driver’s license and go through a background check. It is at this point when your DUI will pop up and result in the higher insurance plan.