You may know that getting a DWI could lead to the loss of your license, but even if you don’t lose it, did you know that you could lose your insurance? If you lose your car insurance, you won’t be able to drive legally, even if you do have your license.
If this is your first offense, there is a chance that an insurance company may just raise your rates. However, if this is not the first time you’ve faced charges, then you could be looking at a policy that you soon can’t have.
How does an insurance agency decide if you qualify for their insurance coverage?
Usually, these companies have their own rules in place, including a points system of their own. The state has a points system, but insurance companies generally have their own instead. This system helps the insurance company decide when a person is too much of a risk to be insured. If you have too many points, the insurance company may drop your coverage or decide to charge an extremely high rate to continue to cover you.
If your insurance rates do jump up, there is a possibility that taking safe-driving courses or going through alcohol addiction treatment could help you show that you are taking responsibility, and as a result, get the company to lower your rates. Before a conviction, you and your attorney can work on a defense to help you prevent a DWI conviction so that your insurance doesn’t have to be affected and you don’t have to worry about a DWI on your record.