If you have been arrested for a DUI or OVI in Ohio, you might be wondering how this conviction will affect your car insurance. The Ohio Revised Code is yet to specify collateral consequences for DUI convictions.
For instance, it does not mention that potential employers should avoid hiring you if you have a DUI conviction, nor does it point out the possibility of a cancellation or increase in the cost of auto insurance coverage for Dui or OVI offenders.
Cancellation of Coverage After DUI
You will notice an increase in car insurance premium rates if you are convicted of a DUI/OVI. Since insurance policies are not binding, your insurer can cancel your coverage after a DUI/OVI conviction.
If your policy is canceled, you will have to look for another insurer willing to cover you. You will likely pay higher rates for coverage with a new insurer, particularly if the previous insurance company classified you as a high risk.
Dictating Cost and Policies Before and After DUI
After a conviction, your rates may double as insurers view you as a very high-risk driver.
Factors Affecting Insurance Policy Cost
Many factors impact the cost of your car insurance policy. One of these is your driving record. You will likely pay higher premiums if you have been previously charged with a DUI / OVI.
Other factors that can affect your insurance policy price include:
- The model and make of your car
- Your geographic location
- The amount of coverage you require
- The deductible you prefer.
Filing SR-22 With Ohio BMV as Proof of Insurance
If you have been convicted of a DUI/OVI in Ohio, you may have to file a Safety Responsibility (SR-22) form with the Ohio Bureau of Motor Vehicles. An SR-22 is a financial responsibility certificate that shows that you have the minimum liability insurance required by Ohio law.
If you are required to file the SR-22 form, you must maintain your auto insurance for at least three years from the conviction date. If you file, you can avoid having your insurance coverage canceled or your driver’s license suspended.
Our Lawyers can Help Avoid DUI Conviction
DUI/OVI is a criminal offense in Ohio. A conviction of a DUI/OVI can result in steep fines, jail time, and a driver’s license suspension. It can also affect your auto insurance rates.
We understand the dynamics of DUI conviction and are devoted to ensuring you get a favorable outcome. The Cleveland DUI attorneys at Ashley Jones Law can help you avoid a conviction. If you have been arrested for DUI, do not hesitate to request a free consultation today.
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