My Husband Just Got A DUI. The Company Said They Are Going To Cancel My Policy. What Are My Options?
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UPDATED: Sep 15, 2020
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The insurance company is very concerned when a client receives a major violation such as DUI. In addition, most states suspend or revoke the license of the offending driver. The company has the right to cancel a policy when the driver is no longer licensed to drive. They can cancel with just a 10-20 notice in that case. If the license is not suspended, but the ticket shows on the driver’s record, the company can non-renew the insurance as of the next renewal date. You have a couple of options in this case. Presuming your husband is not driving at this time, you can have him excluded from the policy. This exclusion usually needs to be acknowledged by you, the policy holder, and the driver in question. This means there is NO insurance in the event he drives the car.The other option is to obtain a separate policy for him and a car he will use (presuming he has a valid license). There are several companies available which will write insurance on “high risk” drivers. However, your company may still want to exclude him from your policy for the remaining auto(s).