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How Mecklenburg County DUIs Impact Auto Insurance

There are many ways that an auto insurance company can find out about a driver’s DUI charge. Insurance companies frequently do driving record checks of their insured drivers. Also, the DMV might report a DUI charge to the insurance company, or the driver themselves might report it to the insurance company.

If you have been charged with a DUI, you could be facing significant penalties and repercussions. Therefore, you should seek the services of a seasoned DUI lawyer right away. An attorney could advocate for you and explain to you how Mecklenburg County DUIs impact auto insurance.

A DUI Conviction Can Affect Insurance

A DUIs impact on a person’s auto insurance depends on whether they were convicted or not. If the driver is charged with a DUI but not convicted, their insurance rates should not be affected. The insurance company might be aware of the DUI charge, but they should only make decisions on policy premiums based on convictions.

It is possible that an insurance company could find the driver to be too high of a risk and drop them from their insurance following a DUI conviction. If they are allowed to continue to be insured, then they can expect a steep increase in premiums due to the risk of safety and increased risk of accidents for those who have driven under the influence of alcohol. Consult with a knowledgeable attorney for more information.

Terminating Policies Following a DUI

Insurance is a contract between an insurance agency and an individual. It must be agreed to by both parties, and most insurance policies specify the terms by which the insurance company can terminate coverage for the individual. Many insurance policies include provisions regarding certain traffic convictions, including DUIs.

If a person’s insurance company has terminated their policy, then they may be able to appeal it. The appeals process for having a person dropped from an insurance policy will depend on the specifics of each individual insurance policy. The policy itself should spell out any recourse that an individual might have if the company decides to drop them.

How a Mecklenburg County Attorney Could Help

The primary way that a DUI defense attorney could assist is by effectively defending the charge, especially if the charge can be dismissed at trial. If the charge cannot be dismissed, then perhaps a defense attorney could help achieve a result other than a DUI conviction. Depending on the specific insurance policy, the defense attorney might be able to determine additional ways of assistance. The most relevant insurance information to bring to an initial consultation with a DUI lawyer is the current active insurance policy that the driver has for their vehicle.

Contact an accomplished legal professional if you have any questions about how Mecklenburg County DUIs impact auto insurance and how an attorney could help you. A skilled lawyer could fight for you and possibly help you reach a favorable outcome to your case. Call today and set up a consultation with an attorney who could assist with your situation.

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