The length of time that insurance companies can find a DUI on a person’s
record is 10 years, which is the same amount of time that a DUI can be
used to enhance a punishment for any subsequent DUI’s. Unfortunately,
an auto insurance company can use a DUI conviction against someone for
10 years, which will certainly lead to an increase of insurance rate because
the person would now be considered a “high risk” driver. Moreover,
if a person received a “good driver” discount prior to the
DUI conviction, that person would no longer qualify under California law.
Although a person convicted of a DUI is not required to inform their insurance
company, the insurance company usually discovers it. For example, when
the insurance policy is scheduled for renewal, the insurance company is
most likely to discover it because they will look into the person’s
driving record. Similarly, if a person is seeking out a new insurance
company, the new company will look into the person’s driving history.
In California, the Department of Motor Vehicles requires individuals that
are convicted of a DUI to obtain a SR 22, which proves that an individual
possess the minimum requirements for liability coverage and must be maintained
for 3 years. And, because the only way to obtain an SR 22 is through an
insurance company, the person’s insurance company will most likely
discover the DUI on the driving record.
After 10 years, the Department of Motor Vehicles stops reporting the DUI.
Once that occurs, then, a person will be eligible for a “good driver”
discount or, at the very least, see a reduction in the premiums.
In order to avoid an impact on your insurance rates, you need to hire an
attorney that knows how to handle a DUI in California courts. A lawyer
may be able to get that case dismissed or reduce the DUI charge to a “wet
reckless”. Gibbons, Gibbons & Gibbons has successfully represented
individuals charged with DUI’s in Los Angeles County.
Contact Gibbons, Gibbons & Gibbons to fight your case!