Getting DUI Insurance for First Time Offenders
A first-time DUI offense is serious. No matter what happened, it is likely that your auto insurance rates will increase because of this infraction on your driving record. In some cases, your state may even require you to obtain an SR-22 certificate to show that you have financial ability to repay any damage you cause in future instances. It happened one time. What should you do? What can you expect from your rate increase?
What to Expect From a First DUI
If this is your first DUI or DWI, you will likely pay a fine for it. You may lose your license for a period of time. In some states, you may be required to attend a specialized driving course designed for those with DUIs. In addition to this, you may have to perform community service or have an ignition interlock device installed on your car. Even as a first offense, you could face a number of complications.
What to Do About It
If you’ve received a DUI or DWI, your first step is to handle any litigation related to it. You may be required by a judge to obtain a specialized SR-22 certificate. If you have auto insurance and need this certificate, contact your existing carrier. If you need to obtain new insurance, tell them about this new requirement. The key here is that your rates are likely to rise because of this requirement.
Even as a first offense, you are likely to spend some time with a suspension or an SR-22. What occurs depends on how intoxicated you were and other factors such as other moving violations. The good news is that most insurance companies will keep your rates moderately affordable even with this charge on your record. The key is to seek out an insurance carrier that specializes in affordable DUI insurance plans.
Your first DUI or DWI may be very worrisome for you. However, if you use this opportunity to improve your driving skills and refrain from additional moving violations, you can see improvement over time. Be sure to talk to your agent about your need for DUI or DWI insurance and find a policy that still keeps you in line with your financial needs, while meeting any legal requirements.
We’ll help keep you road safe. Call ACF Insurance Services at (919) 661-1100 for more information on North Carolina DUI insurance.