Will a DUI Charge Affect My Car Insurance?

Being charged with a DUI is an overwhelming experience that brings numerous difficulties for individuals. A DUI’s aftermath can be financially and emotionally burdensome, from legal repercussions to potential penalties. 

The following article will explore what happens after a DUI, the role of legal representation in mitigating the consequences, and specifically focus on the laws surrounding DUI charges in Indiana. Moreover, we will address a crucial concern: how a DUI charge can affect your car insurance rates.

What are the Indiana MVD/DMV Statistics and Current Laws?

According to the latest statistics from the Indiana University Public Policy Institute, in 2020 there were a reported 106 fatal drunk driving collisions in Indiana claiming approximately 124 lives.  These numbers serve as a reminder of the prevalence of DUI incidents and highlight the importance of understanding the legal implications. 

It is crucial to know that the laws regarding DUI charges vary from state to state. In Indiana, driving under the influence of alcohol or drugs is considered a serious offense, punishable by fines, license suspension, mandatory alcohol education programs, and even possible jail time. A criminal defense attorney can help you better understand the potential consequences and options after your citation.

What is the impact of a DUI on car insurance?

Beyond the legal consequences, a DUI charge can substantially impact your car insurance rates. Insurance providers consider individuals with a DUI conviction as high-risk drivers, increasing premiums. 

The severity of the increase may vary depending on the insurance company and your driving history. In some cases, insurance companies may cancel your policy or refuse to renew it due to the perceived risk associated with a DUI charge.

After a DUI, the following may occur:

• Immediate suspension of driving privileges;
• Vehicle confiscation;
• Ignition interlock on the offender’s vehicle.

Although some charges can’t be avoided, legal representation can significantly reduce or eliminate charges associated with your DUI. Our Arshad, Pangere & Warring team will speak to your insurance and negotiate terms with the court. 

How can a criminal defense attorney help your case?

After a DUI charge, individuals face a complex legal process that can significantly affect their future. It is essential to understand that seeking legal representation is crucial to navigating the intricacies of the legal system. A skilled criminal defense lawyer can provide invaluable guidance and work towards minimizing the consequences of a DUI charge. 

The lawyers at Arshad, Pangere & Warring will examine the details of your case, challenge evidence if necessary, and explore potential defenses that can lead to reduced charges or even a dismissal. Additionally, they can negotiate with prosecutors on your behalf and advocate for alternative sentencing options that may positively impact your car insurance rates.

Are you facing a DUI charge? Contact us today to schedule a consultation.

If you face a DUI charge, acting promptly and seeking professional legal assistance is vital. At Arshad, Pangere, and Warring LLP, our lawyers are experienced in handling DUI cases and can provide the expertise needed to reduce or eliminate charges significantly. 

Our guidance and strategic approach can help safeguard your rights, mitigate the consequences of a DUI conviction, and influence your car insurance rates. If you have questions, contact us today.