Reader’s Question:

How will a DUI arrest in California affect auto insurance?

Angelica

Los Angeles, CA

The State of California ranks second in alcohol-related road mishaps. In all traffic accidents, 30% are caused by drunk drivers. This has resulted to 1,509 fatalities in the year 2006 alone. It is for this reason that the federal government of California imposed tougher laws to try to stop this problem from endangering more lives and property.

A DUI arrest will trigger two cases against a driver. The first is an administrative case, where the Department of Motor Vehicles will require the DUI offender to request a hearing within ten days from the arrest. Failure to do this will render a driver’s license suspended for no less than four months for the first offense. The second will be a criminal case, where a fine of not less than $390 but not more than $1,000. Jail time of two days to six months will be ordered.

DUI offenders will be directed to avail of high risk car insurance coverage. Failure to do so may result to complete revocation of driving privileges. This translates to increased auto insurance premiums. Since DUI offenders are always viewed an unfavorable risk by the insurer, their driving records will be checked always. If a policyholder with a DUI record is found to be a big liability to the auto insurance company, policy renewals may be refused. Other insurers completely terminate coverage.