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Getting a DUI is a life-changing moment that can impact every facet of your life. While you can avoid a DUI by opting not to drink and get behind the wheel, it’s possible you or someone you love now realizes your mistake. Exploring how long a DUI will impact your ability to get the best rates on commercial insurance for vehicles helps you make decisions about your future.
Understand How Long DUIs Stay on Driving Records
The amount of time a DUI will impact your driving record depends on multiple factors, such as the state you live in and whether this is your first one. In California, DUIs can remain on your driving record for up to 10 years. Keep in mind the conviction may still stay on your driving record even after you complete the steps you need to take to handle the criminal charges. Since people with DUIs tend to have other infractions on their driving records, such as speeding while under the influence, these can also affect your ability to get affordable commercial auto insurance.
Take Actions to Reinstate Your Driving Privileges
The first thing you’ll need to do is fulfill any conditions the court set for restoring your driving privileges. Most people with DUIs must complete driver safety courses, and you might be required to take a substance misuse assessment. You may also need to pay penalty fees and submit to using an ignition interlock device in your vehicle to prevent this from happening again.
Explore Your Commercial Auto Insurance Options
Once you receive a DUI, you’re required to inform your insurance company about the conviction. If you had a policy before the DUI, you’ll need to request your insurance company file an SR-22 form with the state’s DMV. This form simply makes it known that you meet the minimum requirements for commercial auto insurance liability in the state.
However, you’ll want to note the insurance company doesn’t have to maintain or reinstate your coverage. Instead, they could deny your request for a policy. In this case, you may need to purchase special coverage through the California Automobile Assigned Risk Plan (CAARP) program. If this is your first DUI, your insurance company may allow you to purchase commercial insurance. But you’ll typically be charged higher rates than those reserved for low-risk drivers.
Make Plans to Avoid Future Driving Infractions
Although the DUI can stay on your driving record for a full decade, insurance companies often give some grace to policyholders who avoid new infractions during this period. For instance, someone with a DUI from nine years ago will often get better rates compared to someone with a brand-new one or multiple offenses. If you struggle with substance use, seeking professional treatment can help you avoid this issue in the future. You can also make sure to follow the law as you drive. Avoiding speeding tickets and traffic collisions will ensure your driving record is clear once the DUI drops off.
If you have a DUI and need to learn more about getting commercial car insurance, get in touch with Altra Insurance Services. In addition to auto coverage, we offer a variety of insurance policies, including motorcycle, business, and homeowners insurance. San Diego residents can call one of our knowledgeable team members today for a free quote.