affect of DUI arrest on auto insurance

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 28, 2014

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Insurance Question from Terryville, CT

Asked on 07/28/2014

affect of DUI arrest on auto insurance I am trying to find out if a DUI arrest can affect my family's auto insurance. I am home for a visit and was arrested for DUI while driving a family members' car. I am not listed as an additional driver on the policy. Can my arrest jeopardize or cancel their policy?

Answer given on July 29, 2014

If you received a ticket for a DUI in a family member’s car and you were only visiting, the insurance rates for your family member will not be affected. If you had an accident along with the DUI the family member’s insurance is responsible for any damages or injuries caused by the accident. But, again, their rates will not be affected.The ticket you received will affect your auto insurance rates when, and if, you are convicted. Your insurance company usually runs a driving record status on an annual or semi annual basis to check for tickets. When this ticket is shown on your record your rates will go up. If you lose your license, you may receive a cancellation notice for your insurance since you would no longer have a valid license. Some insurance companies will keep your insurance in force if you have been a client for a long period of time. If not, you can find other insurance for your car, but it will be expensive.

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