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Minnesota DWI or DUI and Insurance rates  
  DWI/DUI and Automobile Insurance Rates
What will happen to my Auto Insurance?

If you received a DWI or other ticket, insurance companies are generally not automatically notified of the offense. An insurance company is only notified if your license is revoked for an alcohol related violation and you do not successfully challenge the revocation. They must run a driving record check to become aware of the ticket. Insurance companies generally do not check driving records on a regular basis. Instead, random driving record checks are performed. Moreover, when a new client is seeking insurance or when an old client requests a change in their policy, a driving record review may be performed.

If the insurance company discovers a DWI conviction, insurance rates skyrocket. Often drivers with DWI convictions will be placed on “risk” insurance where the rates may be as steep as $600 per month. In some cases, the insurance company will drop the driver as an insured on the first renewal date.

In order to keep your insurance rates down, it is important to keep your driving record as clean as possible. Different insurance companies offer different rates. In fact, there are some insurance companies that specialize in “risk” insurance. As a result, it is important to shop around to determine the best rates and coverage possible. Driving without proper insurance is an offense in itself and may result in the suspension of your driver’s license.

If you recently received a DWI or other traffic ticket, you may decrease the likelihood of increased insurance rates by keeping a low profile with the insurance company:

  • DO NOT buy a new car;
  • DO NOT change insurance coverage;
  • DO NOT change insurance companies.
Though taking these steps is not a guarantee, it may help to prevent the insurance company from reviewing your driving record. In some cases, your rates may be lowered again if you complete a required amount of time with no further traffic violations.

Call (612) 240-8005


An auto insurance company is only notified if your license is revoked for an alcohol related violation and you do not successfully challenge the revocation.


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ADDITIONAL ARTICLES

How breathalyzers work.
An explanation of the theory and operation of breath testing devices.

Alcohol Intoxication Testing.
Overview of current state of "scientific" testing

Breath Testing Machines.
Common methods of breath analysis..

BOOKS

Challenging the Breath Test at Trial

4 Ways to Get a New Drivers License

Drunk driving defense : how to beat the Rap.

Drunk Driving : A Survival Guide for Motorists

Drunk driving laws : rules of the road...

 






About this Site  |  Ask-A-Lawyer: Questions  |  Business & Corporate Law  |  Minnesota Franchise Law  |  Freedom of Information Act  |  Criminal Defense Center  |  DWI Center  |  Minnesota Divorce  |  Collaborative Law  |  Estate Planning Center  |  Minnesota Juvenile Justice Center

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Any information contained on this site is general in nature. You should not rely on any articles, postings or other information on these pages as legal advice or to create an attorney-client relationship. If you are in need of legal advice concerning a particular matter, you are encouraged to contact an attorney in your state.

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