Common Questions About DUI Insurance

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Common & Frequently Asked Questions About DUI Insurance

Personal insurance coverage to protect you and your family. Since 1989, we have been the trusted choice of motorists and homeowners in the Carolinas.  As an independent agency,  we compare rates from a wide array  of leading insurance companies to find you the right coverage at the lowest possible price in North Carolina and South Carolina.

Most insurance companies check your motor vehicle record once a year. Some, only once every three years or when you're applying for a new policy. Sometimes, accidents, tickets, and drunk-driving convictions can escape your insurer's attention. If your insurer DOES find out about a DUI conviction, you will see higher rates and possibly the task of seeking a new company due to them not renewing your insurance.

There are two ways insurance companies generally deal with customers convicted of DUI. First, your insurer may cancel you. In other cases, they will raise your premiums due to increasing your "point" count, almost to the point of "unaffordability."

In the current insurance marketplace, it is probably better to seek out a specialist for your insurance coverages, rather than remain with your current carrier. We have over 20 years of experience in placing DUI coverage. We have helped thousands of drivers reinstate their licenses. In some cases, you may need an attorney to save your license, especially if facing a court trial or if this is your second offense. In other cases, if the DUI has already been to conviction, you may not need an attorney since most questions can be answered by the DMV or an insurance agent specializing in DUI coverages. We can answer most "POST-conviction" questions for you at NO CHARGE. Insurers can sometimes miss DUI convictions.