Insurance companies consider driving while intoxicated (DWI) to be a sign of risky driving habits. As such, they often charge higher insurance rates to motorists they believe are more likely to file an accident claim. If you are facing a DWI in New York, it’s in your best interest to contact an experienced Garden City, NY DWI/DUI Attorney who can safeguard your rights and help you fight for the best possible outcome. Please continue reading as we explore how a DWI conviction can impact your car insurance rates.
What Penalties Can I Face for a DWI in New York?
Driving while intoxicated (DWI) is a serious offense with harsh consequences that extend far beyond the immediate legal penalties. Upon a conviction, you can be subjected to steep fines, mandatory alcohol education or treatment programs, the loss of driving privileges, and even jail time. The severity of the penalties you face will depend on various factors such as your blood alcohol concentration (BAC), whether you have prior DWI convictions, and whether you caused any accidents.
In addition to these legal penalties, a DWI conviction can have a devastating impact on your personal and professional life. You may lose your job, be denied housing or educational opportunities, and face social stigmas.
How Can a DWI Conviction Impact My Car Insurance Rates?
A DUI conviction can significantly increase your car insurance rates. This is because insurance companies will consider you a “high-risk driver.” Even if no accident occurred while you were driving under the influence, insurance companies will charge higher premiums. This increase compensates them in the event you cause a collision. A DWI conviction can affect your insurance options for several years. During this period, you will encounter higher premiums and limited carrier availability. The specific rate increases will vary depending on numerous factors including the insurance company, the severity of your DWI offense, and more.
If your driver’s license is suspended or revoked due to a DWI offense, your insurer may choose to drop your coverage or not renew your policy when it expires. This is due to the increased risk associated with motorists who have a DWI on their driving record.
Furthermore, obtaining a new insurance policy after a DWI can be challenging. Most insurance companies are hesitant to insure motorists with a history of drunk driving due to the higher likelihood of future accidents. You will likely be limited to a smaller pool of insurers. It’s important to note whether or not insurance companies continue to do business with a policyholder is at their discretion.
As you can see, you can expect to pay significantly more for car insurance after a DWI conviction. If you are facing a DWI in New York, please don’t hesitate to contact a determined attorney from KCS Law, who can help you navigate your options and protect your interests. Connect with our firm today to learn more about what we can do for you during this difficult time.
