If you are facing DUI charges in New Jersey, you are probably thinking about the consequences you could potentially face as a result of a conviction, such as fines, jail time, and license suspension. You might have even considered the impact it could have on your current job, or your ability to obtain gainful employment. What many individuals fail to realize until much later is that a DUI can also have a significant impact on their car insurance.
Car Insurance Rates and DUIs
If you have ever received a ticket for speeding, you are probably aware that even minor traffic violations can hike up your car insurance rates, so you can expect a DUI to have greater repercussions. Insurance companies will consider you a high-risk driver and, as such, increase your rights anywhere between 30% and 200%, depending on the circumstances and the policies of your insurance carrier. This means that if your previous rate was $100 a month, it could go up to $300, though the exact amount will depend on several other factors, such as your driving record, other violations, lapses in coverage, and the details of the DUI incident.
Unfortunately, DUI convictions in the state of New Jersey remain on a person’s record forever. However, it will usually only impact your car insurance rates for about three to seven years, though every carrier is different and can potentially factor it into your rates for much longer than that.
Could My Car Insurance Get Cancelled?
After being convicted of a DUI, it is possible that a car insurance company might terminate service with you altogether, or refuse to renew your contract with them. If this were to happen, you will undoubtedly have a difficult time finding a car insurance company who is willing to take you on as a customer and, if you are able to find such a company, you can expect that the fees will be exorbitantly higher than what you are accustomed to paying for insurance coverage.
As you can see, it is crucial to fight your DUI charges, which is why it is recommended that you secure legal representation as soon as possible. A DUI has too many ramifications and consequences to be taken lightly.
DUI/DWI Attorney in East Brunswick
Are you currently facing DUI charges in New Jersey? Do not try to navigate this situation your own. Oftentimes, many individuals believe that they cannot challenge the charges levied against them and resign themselves to defeat. This is far from the truth, however. Reach out to the Law Offices of Ryan E. Gilbert, LLC in East Brunswick to effectively protect your future and rights!
Call today at (866) 760-6430 to schedule a consultation.