It’s scary to be arrested and charged with driving under the influence (DUI) in Florida. Depending on the circumstances, the situation could lead to losing your car insurance. This is what to know about getting insurance after your DUI.
What to expect after a DUI
In Florida, drunk driving accidents can result in your car insurance company dropping your coverage; however, even if your insurer keeps you on as a policyholder, you can expect your insurance premiums to skyrocket. On average, individuals who get a DUI see their premiums increase by 71% due to being deemed high risk. Of course, this is all after you have been put in jail and received hefty fines.
Getting insurance after a DUI
If your auto insurance company decides you’re not worth the risk and drops your coverage after your DUI, you’ll have to find a new insurance company. Unfortunately, that means you might have to face the reality of having to shell out more money on a policy. However, the best thing to do after this situation is to look into car insurance companies that offer policies to high-risk drivers. Comparing several quotes from a few insurers can help you find the policy that best fits your needs and wallet.
Another option is to search for insurance companies that offer the lowest premiums. Although you have a DUI on your record, it’s still worth trying to find something more affordable. Some insurers will prioritize other factors such as your credit score; if you have a good score, an insurance company might overlook your DUI if it was a first offense.
After a DUI, it could seem like the end of the world in terms of your car insurance. However, not all hope is lost; you might be surprised and end up with good coverage you can afford.