Georgia DUI Car Insurance
A driving under the influence (DUI) conviction in Georgia can lead to numerous undesirable consequences. One negative repercussion is skyrocketing insurance costs. Because people with DUI convictions are considered an increased risk, your auto insurance premiums may go through the roof -- if your provider doesn’t cancel your policy outright at the first opportunity.
Some insurance companies specialize in providing coverage to high-risk drivers. However, their coverage is much more expensive than standard rate policies. Many top-tier insurance companies have even ceased offering coverage to Georgia drivers convicted of a DUI.
While obtaining Georgia DUI insurance is expensive, coverage is necessary to have your legal driving privileges reinstated. Take comfort in remembering that being charged high DUI insurance rates is a temporary situation for you. Once adequate time passes, your driving record will be updated and you will be eligible for a standard rate insurance policy just like everyone else, assuming you do not commit additional violations.
DUI SR-22 Insurance
Perhaps you’ve heard of SR-22 proof of insurance filing. SR-22 filing is court-ordered documentation needed from your insurance company in order for you to retain or regain your driving privileges. If SR-22 proof is required, your auto insurer will need to provide verification of your financial responsibility to the DMV. Without this legal form, your license suspension cannot be lifted.
Some drivers convicted of DUI will purchase minimum liability coverage that barely meets the statutory requirements necessary to lift a license suspension. Others purchase a second DUI policy to re-establish driving privileges while maintaining their pre-existing insurance policy. This generally occurs when an existing insurance provider has not yet been notified of a DUI conviction and the driver does not want to inform their company.
Purchasing Georgia DUI car insurance can seem complicated, especially with everything else swirling around a person convicted of DUI. An experienced Georgia DUI attorney can offer helpful information about specific companies that offer the specialized coverage you need.
Avoiding DUI Car Insurance
If you are currently facing Georgia DUI charges, you should speak with a defense attorney at HTW&W today. Wouldn’t it be great if your attorney could help you avoid the need for specialized car insurance coverage altogether? Protect your rights with an experienced DUI attorney. Your first defense should be your best defense.
