How do I get North Carolina DUI auto insurance if I have a DUI? Driving under the influence and driving while intoxicated in North Carolina are both considered high risk activities by all auto insurance companies. There are insurance options available for drivers who have a DUI or DWI on record.
An insurance company cannot drop you in the middle of a policy for having a DUI in North Carolina. However, they do have the option to not renew your policy as they deem you to be too high of a risk. All insurance rates are calculated on a risk based analysis.
Auto insurance companies in North Carolina have to pay the most when another driver is injured as a result of a car accident that is caused by a vehicle they insure. If you have a North Carolina DUI or DWI, that substantially increases the risk of causing physical harm or fatality to another driver. If your insurance company does choose to not renew your North Carolina auto insurance policy, there are alternative options available. The best start is to get a North Carolina DUI insurance quote.
Are there any North Carolina state insurance requirements after having a DUI or DWI?
It is more difficult to find an insurance company in North Carolina that will take on a new client with a DUI or DWI on record. These violations can stay on your driving record for up to 10 years in some states. Many states require you to file an SR-22 form with your insurance company. The insurance company then has to notify the department of motor vehicles if they are cancelling this insurance policy or not renewing it for any reason.
The purpose of this form is to ensure that drivers who are considered high risk in North Carolina have the necessary liability required by state auto insurance laws. Not all insurance companies are capable of handling policies that require the SR-22 form. Your current North Carolina insurance company may be required to drop you as a client for that specific reason. When you are searching for insurance, you will need to make sure that the company can write SR-22 policies if you have to get one.
Not all states require this form to be filed. The states that do require this form to be filed will keep your license suspended until the form is filed. There are few states that do not require the SR-22. These states are: New York, North Carolina, Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.