Driving under the influence (DUI) is a serious, yet quite common offense. As you may know, a DUI conviction can be humiliating and expensive for the person involved. Some of the short-term consequences include fines, attorney fees, and license suspension. The long-term consequences are often the most expensive due to the effects on auto insurance rates and coverage.

If you are convicted of a DUI, your insurance company will likely uncover the occurrence. The first way insurers uncover a DUI is through their annual driving record investigations. The second way they find out about a DUI is that you may have to file form SR-22 (Proof of Insurance Certificate) when you re-instate your license. Not all insurance companies will file a SR-22 form, so you might have to consider other options such as changing companies. How insurance companies deal with your specific case is dependent on your individual driving record and past delinquencies, but there are two basic outcomes. Often times, the companies that accept SR-22 forms will specialize in "high-risk" driving auto insurance. While your insurance rates may increase, filing with a smaller company usually makes the switch less expensive then attempting to file an SR-22 with a major firm.

Insurance companies deal with DUI convictions in two general ways. First, they might drop your coverage completely and you will have to find a new company to insure you. The other route they can take is substantially increasing your rates. They will now, because of your DUI, classify you as a "high risk" driver. Regardless of the outcome, you as the paying client, have options to work with.

There are many companies that cover clients with a DUI on their record. In rare cases, insurance companies never find out about the occurrence because it slips through the cracks within an enormous bureaucracy. While we hope you are lucky enough to slip through the cracks, we are also here to prepare you for any negative outcomes. Either way, just keep in mind that you do have options and there are always people there to offer a second chance, you just have to take it. *Feel free to visit my website http://the-florida-dui.com/ for more information regarding DUI cases in the state of Floria.