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A DUI/DWI conviction can dramatically increase car insurance expenses. In many cases, the price of insurance will be double or triple. Also, if the convicted driver is married, the extra cost of insurance may be passed to the spouse.
In order to maintain affordable car insurance when a spouse has a DUI/DWI conviction, there are only two options:
- Exclude the convicted spouse from the policy. In the US, most married couples have joint car insurance policies. Excluding the DUI/DWI convicted spouse, will help the other spouse maintain his good driver status and affordable insurance premiums. In that case, the convicted spouse will have to be informed that he can't drive the other's spouse vehicle. If the partner does drive the vehicle and he gets involved in an accident, the insurance company will probably refuse to pay for any damage or medical expenses.
- Maintain an active SR-22 form. The DUI/DWI convicted spouse will probably be ordered to carry an SR-22 form. The SR-22 form proves that the convicted spouse is financially responsible and carries the state's minimum car insurance. Depending on each state's law, the convicted spouse will have to carry an SR-22 form for a period that ranges from one year to five years. To find affordable coverage for DUI/DWI convicted drivers is not easy. First, the current insurance provider should be contacted and check if they are willing to insure a DUI driver. If not, then an online search for specialized insurers that deal with high-risk drivers is recommended.
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