You’ve likely heard that a DUI or DWI charge can raise your insurance rates. Here’s more about what you can expect from your insurance after a DUI. 

Maryland Penalties for DUI and DWI  

DUI and DWI are often charged as a misdemeanor, especially if it’s a first-time offense. However, the penalties are still quite harsh and can cost you hundreds of dollars in fines and your driver’s license. You may be incarcerated for a period of time and required to attend alcohol counseling. These penalties get harsher each time you are charged with a subsequent DWI. You’ll also see an impact to your car insurance. You may be dropped by your carrier entirely, or have to pay more for the same coverage you had. Shopping for new car insurance may also be difficult and costlier.

What Will Your Insurance Company Do to Evaluate Your Risk Post-DUI? 

All insurance companies will assess your risk of being involved in an accident before deciding whether to offer you coverage and if so, for how much. Your driving and criminal records are usually pulled by your insurance carrier and the information they contained is used to determine your risk factor, or how likely you are to cause an accident. A DWI or DUI is a significant risk factor, as are other traffic offenses like negligent driving or speeding that are often charged along with drunk driving. The higher your risk is, the more difficulty your insurance carrier will have finding justification to offer you a policy.

What Happens if the DUI or DWI Was Committed by Someone Else Driving Your Car 

If someone else was charged with a DWI while driving your vehicle, your own insurance should not be affected or impacted in any way. This is because it is the driver and not the vehicle that is insured. On the other hand, if you are driving someone else’s car and get a DUI, your own insurance will be impacted. 

Why Contact a Maryland DUI/DWI Lawyer Now 

Being charged with a DWI or DUI is life-changing. Not only will you face fines, jail time, and other legal consequences, but also with your relationships, career, and personal life. A DUI or DWI charge remains on your driving and criminal records for a period of time, which can make it harder for you to get a loan, find a job, buy a house or vehicle, or even obtain a college education. 

Contact Britt Criminal Defense to learn more about how to defend your rights against DWI or DUI charges in Maryland. Call now for a consultation at 443-944-5705.