A driving under the influence conviction not only affects a person’s criminal record, but also their driving record and auto insurance. Exactly how it affects each person’s auto insurance policy will differ from person to person, and from company to company.
When a person is convicted of a DUI, the DMV is automatically notified. Along with scheduled court dates to determine the outcome of the criminal case, the DMV will hold a hearing to determine the status of the person’s driving privileges. Once the sentence is determined, a person’s auto insurance company is allowed to access any information they need regarding the conviction. Upon their research, the auto insurance company will make a determination regarding the status of the person’s insurance policy.
Insurance policies are affected in different ways. For some people the premium will increase significantly, whereas other policies will be cancelled until further notice. The approach taken by an insurance company depends on several factors; the past driving record of the individual, the criminal record of the driver, as well as the age. After taking into consideration all factors as a whole, the company will make a determination.