A DWI conviction in New York can leave a lasting mark, not just on your driving record, but also on your wallet. One of the most significant consequences is a dramatic increase in your car insurance rates.
Understanding the Spike:
- Increased Risk: Insurance companies view DWI offenders as high-risk drivers, making them more likely to file claims. This translates to higher premiums to offset the potential cost.
- Severity of Offense: The severity of the DWI offense (BAC level, prior offenses) will significantly impact the increase in your rates.
- Length of Impact: The financial sting of a DWI can linger for several years, with higher rates typically lasting 3-10 years after the conviction.
How Much More Will I Pay?
The exact increase in your insurance rates will vary depending on various factors, including your driving history, age, location, and the insurance company. However, studies suggest that New York drivers can expect an average increase of 74% following a DWI conviction. This means a policy that previously cost $3,282 could jump to a staggering $5,704 annually.
Mitigating the Damage:
While there’s no magic bullet to avoid increased rates after a DWI, some steps can help minimize the impact:
- Shop Around: Compare quotes from different insurance companies. Some may be more lenient towards drivers with DWI convictions.
- Maintain a Clean Driving Record: Avoiding further traffic violations demonstrates a commitment to safe driving, potentially leading to lower rates down the road.
- Enroll in DWI Programs: Completing court-ordered alcohol education or DWI intervention programs might be viewed favorably by some insurance companies.
Seeking Legal Help:
If you’re facing a DWI charge, consulting with a DWI defense attorney is crucial. A successful defense strategy can result in a lesser charge or even a dismissal, potentially minimizing the long-term impact on your insurance rates.
James Medows, ESQ. is a skilled DWI defense lawyer in New York. We offer free consultations to discuss your case. Contact us today and let us fight for you.
Disclaimer: This blog post is for informational purposes only and does not constitute legal advice. Please consult with an attorney for personalized legal guidance.
