If you’re charged with a DUI, you may anticipate facing criminal consequences as a result of your actions. However, you may not expect a DUI to cause an increase in your insurance rates. Facing a DUI is not something that should be taken lightly, so if this reflects your circumstances in California, understanding your legal options is critical. The following blog explores what you should know about these matters, including the importance of working with a DUI lawyer in Sacramento, California if you’ve been charged.
What Criminal Consequences Can I Face for a DUI?
If you are charged with a DUI in California, it’s imperative to understand that these matters should not be taken lightly. First-offense DUI penalties up to six months in county jail, up to $1,000 in fines, a license suspension, and the use of an ignition interlock device on your vehicle for up to 6 months. Because these penalties can be intense, it is imperative to discuss your options with an experienced attorney who can help you explore potential defenses.
You should note, however, that there are aggravating factors that can increase the penalties you’ll face if convicted. For example, if you have a high blood alcohol concentration (BAC) or there is a child in the vehicle at the time you are under the influence, you can expect to face harsher penalties as these factors are considered particularly heinous.
Can a DUI Impact My Insurance Rates?
First and foremost, it’s important to understand that, in California, your auto insurer cannot cancel your auto policy before the end of your term, even if you were charged with a DUI. However, they can cancel your policy at the end of your term. Additionally, if you are convicted of a DUI, your insurer is legally required to remove any “good/safe driver discounts.”
When you are charged with a DUI in California, you are considered a “high-risk” driver, even if you were not involved in an accident when you were arrested. The fact that you are convicted of a DUI indicates to insurance that you engage in risky behavior, meaning it will cost more to insure you. As such, you can expect a drastic increase in your auto insurance premium. It’s important to understand that there are a number of factors that can influence how much your policy will increase, but generally, drivers in California charged with a DUI can anticipate a 148% increase in their premium. If you are a repeat offender, your policy may triple.
In addition to an increase in your insurance rates, you’ll also be required to obtain SR-22 insurance after a DUI. Despite the name, it is actually a financial certificate showing that you have the required minimum insurance coverage mandated by California. You’ll be required to pay a flat fee and a filing fee when you apply.
As you can see, a DUI can wreak havoc on your life. If you are charged, contacting an experienced criminal defense attorney with the Law Offices of Dale R. Gomes is in your best interest. Our firm will examine the circumstances of your case to fight for the best possible outcome for your situation. Contact us today to learn how we can assist you.