Do you need auto insurance after a DUI? People make mistakes. Even good people and good drivers get charged with a DUI. While we certainly don’t condone driving under the influence, we understand that even people who have been charged with impaired driving in Ontario need help getting a policy.
We are experts in DUI insurance and are partners with all the insurance companies that offer coverage. We can help you get the lowest quotes and rates available.
Whether your rates have gone up or you’ve had your insurance cancelled by your insurer, getting DUI insurance is a similar approach to getting a policy in other situations. It’s important to work with a professional who specializes in DUI insurance. This will give you more options to get insured at the lowest price.
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A DUI – Driving Under the Influence, or Impaired Driving – is the operation of a vehicle while under the influence of drugs or alcohol. This includes cars, trucks, boats, and off road vehicles.
DUIs are classified in three ways :
The consequences of getting charged with a DUI go well beyond losing your driver’s license and the potential for criminal charges. You could also be faced with these consequences :
What happens after you’ve been charged with a DUI will largely depend on your insurer. One thing is for sure – at the minimum, you can expect a premium increase – and likely a significant increase.
Keep in mind that if you do not inform your insurance company of your charge, you risk not being covered if you get into an accident, and your insurance will likely be cancelled.
The good news is that you still have options with a DUI charge, even if you’ve been cancelled by your current provider.
While cheap DUI insurance doesn’t really exist, when you work with an expert like us, we can help you get the lowest quotes possible, considering your current driving record.
Your costs will go up after an impaired charge – to what extent will depend on your driving history, severity of the offense, insurer and other factors.
Average DUI rates are more than standard insurance. In many cases, you can expect it to be three to five times more than the rates for a driver with a clean record. You can expect your premiums to at least double.
This is in addition to the fines you will be required to pay if you are convicted. First time convictions start with a fine of $1,000.
“In Ontario, a typical impaired conviction will move your insurance premiums from around $2,000 to between $8,500 and $10,000 a year – that’s a lot of money,” says MADD CEO Andrew Murie to the Globe and Mail.
Many insurers will remove your DUI charge from your record after 3 years, while for others it could take up to 6 years. It depends on the insurer. It will also be removed from your driver abstract after 3 years.
When the it is removed, you can expect your premiums to drop back down to a more “normal” level. Keep in mind that your charge will remain on your criminal record.
Insurance for DUI offenders can be a challenge. It’s expensive, can be difficult to get insured and it will take some time to overcome the situation. Even though it may be difficult, it’s important to start making the steps to transition back to regular car insurance in Ontario, especially as you approach the three year mark after your conviction.
During the penalty period it’s vital that you follow these tips :
A DUI conviction could increase your premiums by thousands of dollars per year. You will have higher rates for multiple years after the incident. You also face additional fines and penalties under the criminal code of Canada.
Insurers will generally look back 3 to 5 years to check for driving violations. Some companies may look back even further.
Your insurer will consider you a greater risk after a DUI. They could choose to not renew your insurance. If they don’t drop you, expect your rates to skyrocket.
Since Ontario has a no-fault insurance system, you deal with your insurer for all accident types. If you are hit by an impaired driver, you will be covered under your policy. If you get a DUI and cause an accident, your insurer could deny your claim and refuse to pay for damages.
A number of insurers specialize in offering coverage for drivers with a DUI. At ThinkInsure, we can help you compare quotes from all of these companies to find the most affordable rate for your situation.
Yes. An insurer has the right to deny your claim because you were impaired.
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