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How a drunk driving conviction affects your car insurance

A DUI brings a lot of headaches, in more ways than one. If this is your first DUI, you can expect to pay $1,000 in fines and lose your driver’s license for a year or more if you are convicted of the charge. Depending on the circumstances of your arrest, the judge may also sentence you to up a year in jail.

According to the National Highway Traffic Safety Administration, in 2010 there was an alcohol-related traffic fatality in the United States every 51 minutes. Aside from the risk of killing yourself and others, a drunk driving conviction carries with it serious penalties from your car insurance company. If you’ve been convicted of driving under the influence (DUI) of alcohol or drugs, it will also likely drive your car insurance rates through the roof.

If your insurer discovers your DUI and classifies you as a “high-risk driver,” a rate hike may be the least of your problems; your policy could be cancelled, especially if you are currently in a preferred rate class. Then you’ll be forced to look for new car insurance with the double-whammy of a DUI and a cancellation on your record.

And this is just one of many issues to address if you get a DUI. The Bergand Group offers DUI/DWI educational programs for individuals that have been issued a DUI or DWI in the state of Maryland. These individuals may have been ordered to take an educational program by a District Court or Administrative Law Judge, or they may be required to take the course when applying for a new driver’s license after their original license was revoked as the result of a DUI or DWI. Individuals may also be required to take an Alcohol Treatment Program in addition to a DUI educational program if they are determined to be an abuser of or dependent on alcohol. The Bergand Group offers both programs, and both are certified by the state of Maryland.

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