My brother has just gotten his driver’s license back after his DUI conviction here in Alabama. I see that he’s so worried about his auto insurance because he said that it will increase tremendously, is this true?

Nate

Mobile, AL

Well, if there is one thing that can make an auto insurance premium rise through the ceiling, it would be a driving under the influence (DUI) conviction. Apart from the risk of causing injury or death to yourself and others, drunk driving has severe consequences from your auto insurance provider.

Car insurance providers could review your motor vehicle record (MVR) only once in three years or at the time of application for a new car insurance policy. There is a possibility that accidents, tickets and drunk driving convictions will not pass their way to your brother’s official MVR. But in the event that his auto insurance provider in Alabama finds out about his DUI and tags him as a high risk driver, he still has the option to shop around for auto insurance because premiums differ widely among car insurance providers.

Then again, a premium increase could be the least of your brother’s difficulties because his car insurance could be terminated or not be renewed, especially if he is in a preferred rate class at the moment. Then he would be pushed to find new auto insurance coverage with two unpleasant conditions with him — his DUI conviction and car insurance policy cancellation under his belt.

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I am really trying very hard so that my auto insurance company doesn’t find out about my DUI conviction here in Montgomery, Alabama? Is there a way that I can keep them from finding out about my drunk driving conviction so that I won’t have higher rates?

Ben

Montgomery, AL

You can keep your drunk driving conviction in Montgomery, Alabama but it won’t take long before your auto insurance provider finds out about it because you would have to file for an SR22 insurance sooner or later so that your driver’s license will be reinstated. SR22 form is a requirement for drunk driver in the state of Alabama so in most circumstances, you can’t stay away from them finding out about your drunk driving conviction. The SR22 insurance could also be a reason for your auto insurance provider to cancel your policy at the end of your coverage.

Your auto insurance provider will be required to notify you through a letter if your policy will be cancelled. If this happens, you will be forced to find another auto insurance provider while you have a policy cancellation on your record. In some other circumstances, the auto insurance provider may not be offering policies with SR22 insurance so this is another reason for your policy to be cancelled or not renewed. Auto insurance providers may keep higher insurance rates for three years because of your drunk driving conviction.

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My husband usually drives home late and sometimes drunk here in Birmingham, Alabama. And if he had an accident—the cause or victim, what should be the proper way to deal with it?

Liz

Birmingham, AL

Frankly speaking, drunk driving is difficult to deal with. In Birmingham, Alabama, anybody who has been irresponsible enough driving under the influences of any alcohol and drugs is called negligence. With these circumstances you need the aid of a legal representative.

Usually, right after the accident of a drunk driver, the drunk driver’s insurance company may aim to lower the settlement and of course as a standard operating procedure, you should not give them any information or sign anything. You contact your car insurance and request a lawyer. You may be able to get the best settlement but if you are the most unfortunate driver and had had more several accident you will be having difficulty in availing a Car Insurance next time for you are an irresponsible driver.

And if you are the victim of drunk driving you can mend your injuries due to the actions of a negligent driver. The most important concern is to put the victim in its usual state. The victim of drunk driving is allowed to get punitive damages together with the other damages endured. The insurance lawyers will be able to assist you financially for mending your injuries. But you can only have insurance lawyers if you have a Car Insurance.

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