Wake County DWI Lawyers Talk the Effects of a DWI Conviction on Insurance
If You Have Been Convicted of a DWI, Expect Your Insurance to Dramatically Increase
If you are convicted of a DWI, the monetary effects will stay with you long after your court and legal fees are paid If you have a DWI on your driving record, insurance companies will consider you a high risk driver and your insurance rates will unfortunately rise astronomically.
Though the sentencing and license revocation that follow a DWI conviction are certainly nothing to sneeze at, the skyrocketing insurance increases are typically the most costly result of a conviction. North Carolina has a Safe Driver Incentive Plan (SDIP), which is used to calculate insurance points based on your driving record. The insurance points from the SDIP are then used to judge an insurance holder’s premiums.
A DWI earns you a total of 12 insurance points, which in turn, causes your insurance premium to jump by 400%. Your premium will remain high for three years following your conviction. Any other points you earn during that period will continue to raise your premium.
When your insurance company discovers your DWI conviction on your driving record, you can expect an increase your premium. It is your choice as to whether to stick with your current auto insurance company or to shop around for cheaper rates. There are insurance companies that specifically target people convicted of a DWI and can be a bit more reasonable. It may be worth your time to compare rates.
An insurance premium increase is just one of the effects you will have to deal with if charged with a DWI. If you are curious as to other effects from a DWI conviction, please see our sections on DWI sentencing and if you can go to jail for a DWI for more information.
Our DWI attorneys help people throughout Wake County, North Carolina. We frequently handle offenses arising out of the following cities: Zebulon, Raleigh, Knightdale, Fuquay-Varina, Apex, Wendell, Garner, Wake Forest, New Hope, Rolesville, Morrisville, Holly Springs and Cary.