DUI Insurance in Fontana, CA
After a driving under the influence (DUI) conviction in California, you may have to file paperwork with the California Department of Motor Vehicles (DMV) to prove that you have adequate auto insurance coverage. Your auto insurance rates may go up after a serious driving offense.
Contact your agent immediately if you’ve received notice that you must submit paperwork to the California DMV after a DUI conviction. The agents at All Types Insurance Agency in Artesia, California, can help you get the insurance you need after a DUI conviction.
What Is “DUI Insurance”?
You may hear liability coverage referred to as “DUI insurance,” although it’s the same liability coverage every driver must carry to comply with California law.
Where there’s no such thing as “DUI insurance,” you may have to file a California Proof of Insurance Certificate (SR-22) form with California’s DMV before you can get your driving privileges reinstated after a DUI conviction. The SR-22 form comes directly from your insurer, serving as proof that you carry the minimum amount of liability coverage required by your state.
How Long Does a DUI Stay on Your Driving Record?
In California, a DUI conviction remains on your criminal record and your driving record for at least three years. Multiple DUI convictions come with more severe penalties than a first offense.
A DUI conviction and other moving violations add points to your California driving record. After a certain number of points, your driver’s license may be suspended.
How Does a DUI Affect Your Insurance Rate?
Insurers set premiums based on information about you, your policy, your vehicle and driving record. Since a DUI is a serious moving violation, your auto insurance rates may increase significantly.
Insurers use your driving history to help calculate the likelihood that you’ll be in an at-fault accident. A DUI conviction can increase the probability that you’ll cause a car accident in the future. Insurers offset the potential costs of a future claim by raising your auto insurance premiums.
Contact Us
If you’ve received notice that you must file an SR-22 form or are concerned about rising auto insurance rates, please contact All Types Insurance today. We can help you shop around for insurance to meet your needs.