Glendale DUI and Auto Insurance

Glendale DUI Attorneyauto insurance

Anyone charged with Driving Under the Influence in Glendale is often concerned about what effect a DUI arrest or conviction will have on their auto insurance policy. In California, automobile insurance is already very expensive and providers are quick to jack up what they charge for coverage when a driver has been convicted of DUI.

One key question is when is the right time to report a DUI incident to one’s insurer. The law does not require immediate reporting of Glendale DUI incidents and a driver may want to hold off on informing his or her insurer of the DUI event. The charges may ultimately be dismissed or the license suspension may be set aside. In these cases, the driver would not have anything to report. If asked to sign an affidavit regarding prior incidents or convictions for insurance purposes, the driver should always be truthful to avoid additional penalties. Lying to one’s insurer in an official document signed under penalty of perjury can potentially lead to felony charges.

An auto insurance company will discover a Glendale DUI conviction in a couple of different ways. The insurer will run a DMV record check of the driver anytime that he or she is renewing a policy (or applying for a new policy). The DUI would show up on this record check.

An insurer can also learn that its policyholder has a DUI when that individual requests additional SR-22 coverage, which is a supplemental policy required for anyone who has been convicted of Driving Under the Influence or has had a license suspension triggered by a DUI incident. By purchasing SR-22 coverage from one’s current auto insurance provider, the insurer is automatically tipped off to the DUI incident and will likely investigate further. Many drivers choose to purchase an SR-22 policy from a different insurer.

Under California law, a car insurance company cannot cancel a driver’s policy or alter the rate of the policy as the result of a DUI while the policy is still active. Policies typically last for a period of six months. When the driver attempts to renew his or her policy, the insurer may then charge significantly more due to the Glendale DUI conviction or may even decline the driver for coverage.

Glendale DUI convictions will almost always cause a person’s insurance rates to go up. However, drivers should realize that insurance companies consider a host of different factors when pricing a policy, including age, gender, marital status, prior driving record, vehicle type and average annual mileage. Drivers also should consider the fact that there is a large marketplace for auto insurance policies who compete against each other for customers, and a driver may be able to get competitive quotes even with a DUI conviction on his or her record.

When a person is convicted of a Glendale DUI offense, he or she would lose any “good driver” insurance discount that may have been applicable. This discount would be unavailable for a period of ten years. In fact, drivers who are required to purchase SR-22 policies would be classified as “high risk” and should expect increased rates.

California requires all drivers to be insured and there is a common fear that once a person is convicted of a Glendale DUI offense, he or she will not be able to find an insurance company that will agree to sell them a policy. Options for drivers who are having trouble finding an insurance policy are available on the state-run California Automobile Assigned Risk Plan website. Not having auto insurance in the required amounts or not having SR-22 coverage can lead to further criminal penalties or even a potential probation violation and should be avoided at all costs.

It you have been arrested for a Glendale DUI offense, it is critical that you discuss your options with a Glendale DUI Lawyer as soon as possible. Glendale DUI Attorney Michael Kraut is a former Deputy District Attorney with over 14 years of prosecutorial experience who is highly skilled at fighting DUI charges on behalf of his clients. Mr. Kraut is highly regarded in Glendale by judges, prosecutors and law enforcement officers as a tough litigator who possesses a detailed knowledge of the DUI law.

For more information about Glendale DUI and Auto Insurance, and to schedule your free consultation, contact Glendale DUI Lawyer Michael Kraut at the Kraut Law Group located at 450 North Brand Boulevard, Suite 600, Glendale, CA 91203. Mr. Kraut can be reached 24/7 at 818-507-9123.

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Client Reviews
He gave me the peace of mind that my DUI case was going to be resolved. He fought for what it was needed and helped me by answering all my questions. Mike is not an average attorney. He’s a very experienced, honest and straightforward person that is there for you!
★★★★★
I hired Attorney Mike Kraut and I'm am so happy and grateful that I did! I was arrested for a DUI because my BAC level was over the .08 limit. I ended up getting a wet and reckless instead of a DUI. I still have to do some classes and I'm on probation, but I do not have a DUI on my record. If you have a DUI hire Attorney Kraut, he definitely knows his stuff!
★★★★★
Avvo User
There aren't enough positive words to write about Mike, but let me be clear that this is the only lawyer worth hiring in Los Angeles. Mike is professional, caring, and an absolute champion at winning in court.
★★★★★
Kyle, Avvo User
Mike Kraut is not a typical lawyer. He is a straightforward person with a true heart and a sympathetic ear. He is also smart and connected and he cares about the people who seek out his help. He got my son out of a jam. He did it quickly and painlessly. I recommend Mike Kraut to anyone that needs his services.
Thank you Mike for helping my son.
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Mark, Avvo User
Michael Kraut is a rock star lawyer. I was really happy and satisfied with the results I received from Michael and his team. A few months back I was being accused of a serious felony. Mike gave me sound legal advice and worked diligently to clear my name. Mike was great at always keeping me updated and returning calls. Great, great lawyer I cant say enough about this man!
★★★★★
Eric, Google User
How can I express how relieved and pleased I am with Michael's professional abilities to have my Felony brought down to a misdameanor to a possible dismissal with deferment. With his care my life has been turned around and cannot say how helpful he's been not only in my case but life. He, himself has changed how I view criminal lawyers. Thank you so much Michael!
★★★★★
Owen, Google User