Perhaps, yes. The majority of states often do not have a statute requiring you to notify your insurer of a DUI conviction. Despite the fact that doing so is usually a good idea. If your insurance provider discovers that you attempted to conceal a DUI from it, it may refuse to pay a claim or possibly charge you with insurance fraud.

When the time comes for you to renew your insurance, keep in mind that your auto insurance provider will probably find out about a DUI/DWI. Your insurer will typically review your driving history at renewal time or get in touch with the DMV in your state, or a similar organization. Read on to learn more and contact Law Office of Michael L. Fell at (949) 585-9055 if you have been convicted of a DUI and require a free legal consultation.

Your driving history will typically reveal any DUIs

Should you inform your car insurance provider of a DUI? Generally speaking, it is a good idea to let your insurance know if you have ever been found guilty of drunk driving.

Granted, there is no general rule requiring you to inform your auto insurance provider of a conviction. Additionally, a drunk driving conviction is often kept a secret from an insurer by the DMV, police, and court.

Please be aware, however, that if an insurance provider finds out about a DUI that you failed to declare, the provider could refuse a subsequent claim or charge insurance fraud against you.

Keep in mind that if you want to fight the DUI charge in court, you probably do not need to let your insurance know about the DUI arrest or charge. If you are found not guilty of a felony after being accused of drunk driving, there is nothing to report to your insurance company. However, you should generally let your insurance know if you are found guilty of an alcohol-related crime.

Will an insurance provider be informed about a DUI?

It could. When you renew your motor insurance, the insurance company can discover that you had a prior DUI. Your insurance provider might now check your driving record or request a DMV motor vehicle report. If it does, it will probably find out that someone was convicted of DUI.

Note that, in order to determine whether you had a DUI, auto insurance companies often only go back three to five years. It's also known as the "lookback era" for a corporation during this time. Therefore, there is a significant probability your insurance company will find out if you had a DUI within the last three to five years.

Also bear in mind that in order to reinstate your driver's license, several states demand that you present proof of insurance coverage from your insurer (often an SR-22 or FR-44 certificate). If you get in touch with your insurance provider and ask for this documentation, they will undoubtedly find out about your DUI.

If you get a DUI, will your auto insurance be cancelled?

If your insurance company learns that you have a DUI, they cannot terminate your insurance. However, if your policy is due for renewal, it may cancel your coverage if you have a DUI. However, an insurance company will normally not terminate your protection if you had a spotless driving record prior to their first DUI conviction.

Even so, your insurance company can opt to eliminate any "good driver discounts." But keep in mind that there's a significant probability your insurance provider might terminate your coverage if you are regarded as a high-risk driver since you have a history of DUI convictions.

Will a DUI result in higher auto insurance costs?

After renewing your insurance after a DUI, you will typically see a rate hike. Even if you have only ever been convicted of drunk driving once, your insurance rates increase because your DUI renders you a "high-risk driver."

However, be aware that an insurance provider will take into account a number of additional criteria when calculating your insurance premiums. Yes, a DUI is one reason, but there are also other ones, such as prior car accidents, criminal history (including convictions for both misdemeanors and felonies), driving history (such as cases of traffic tickets or a license suspension), and credit score.

You are free to shop around to obtain a lower rate if your insurance quote is incredibly high after a DUI. If Allstate is your insurance, for instance, you might be able to get a cheaper policy by looking at State Farm.