With each state having different laws about DUIs and DWIs, it’s understandable to have questions about these charges. Life after a DUI or DWI can bring lots of changes, including those involving your car insurance. Here’s how to determine if you’ll keep your insurance post-DWI or -DUI in Indiana.
Insurance companies technically provide services to their policyholders. Because of this arrangement, these businesses have the right to refuse people as clients. Some providers will cancel your policy after you get a DWI or DUI.
Since it is illegal to drive without insurance in Indiana, this crime can cost you several thousands of dollars and add otherwise avoidable charges to your record. So, you’ll need a solution if a company cancels your policy.
Higher policy costs
Whether your car insurance company cancels your policy or you check other companies for new rates, both options will be expensive after a DUI or DWI. Insurance companies will assume that taking a client with recent DWI or DUI charges could be riskier than insuring drivers without these charges.
Depending on the severity of your DUI or DWI, the vehicle you’re insuring and similar factors, car insurance charges can get expensive. Research shows that post-DUI or -DWI insurance rates can rise by over 50%. These rates, if available, could be costlier if there’s more than one DUI charge on your record. It’s best to look at all available insurance rates to find the coverage you require at an affordable rate.
Fortunately, DUIs nor DWIs permanently stay on your record. Indiana uses five- or ten-year lookback periods. After a decade, this state removes your DUI charge from your record.