How DUI Can Affect Your Car Insurance In Maryland
Reader’s Question:
Hi. I’m very much concerned about the premium on my car insurance. I was just recently charged with DUI here in Maryland. How will my DUI charge affect my premium?
Peter
Columbia, MD
It sometimes can be surprising how having a DUI charge in Maryland can immensely affect a driver’s life. Aside from the substantial amount that DUI convicts would have to pay and possible jail time, they give high regard about their car insurance premium.
It is possible that nothing will happen for some time if you already have a policy in effect. Your current insurance company may not find out that you have a DUI charge in Maryland. However, insurance companies sometimes randomly check driving records of their customers. In an instance of a DUI charge, many companies will non-renew your policy at expiration. Should that happen, there are several non-standard, commonly cited as high-risk, companies that would take you. It will not be unusual for your premium to triple with a non-standard insurance company. You should sit tight and not make any waves if you are currently getting your insurance from a preferred company.
I strongly suggest you pay your bills on time and more importantly, do not let it cancel. Also, do not change companies because any insurance company writing a new policy will order your driving record and find out about your DUI charge.
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