Understanding North Carolina's DUI Car Insurance Laws

In North Carolina, driving under the influence (DUI) of alcohol or drugs is a serious offense that can carry stiff fines, jail time, and other penalties. One of the most significant and long-lasting consequences of a DUI conviction is increased car insurance costs. If you’ve been convicted of a DUI, you need to understand how your car insurance rates will be impacted and what you can do to minimize the financial damage.

The Impact of DUI Convictions on Insurance Rates

When you are convicted of a DUI, your car insurance company may increase your premiums, cancel your policy, or refuse to renew your policy. The amount of the increase will depend on your insurance company's policies, the severity of the violation, and other factors. In most cases, you can expect your rates to double or even triple. Furthermore, you may be required to purchase a special form of insurance known as SR-22 insurance, which is a certificate of financial responsibility that must be filed with the state.

Minimizing the Impact of DUI Convictions on Insurance Rates

If you are convicted of a DUI in North Carolina, there are a few steps you can take to minimize the impact on your car insurance rates. One of the first steps is to shop around for the best possible rate. Different insurance companies will have different policies when it comes to DUI convictions, so it’s important to compare rates and coverage options. Additionally, you may be able to get a lower rate if you are willing to take a defensive driving course or complete an alcohol treatment program.

Additional Tips for North Carolina Drivers with DUI Convictions

In addition to shopping around for the best possible rate and taking steps to minimize the impact of your DUI conviction, there are a few other tips you should keep in mind. First, be sure to keep your driving record clean. Any additional violations or convictions can cause your rates to skyrocket. Also, be sure to keep your insurance current and pay your premiums on time. Finally, if you need to, you can purchase a non-owner's policy, which will cover you in case you are in an accident while operating a vehicle that is not your own.

Conclusion

Getting a DUI conviction in North Carolina can be a costly and stressful experience, but you don't have to accept the resulting increase in your car insurance rates. Shop around for the best possible rate and take steps to minimize the impact of your DUI conviction, such as taking a defensive driving course or completing an alcohol treatment program. Finally, be sure to keep your driving record clean, keep your insurance current, and pay your premiums on time.