When you are charged with a DUI in New York, it’s important to understand that the consequences of this offense extend far beyond the immediate legal penalties. Alongside steep fines, jail time, and license suspension, a DWI conviction can increase car insurance rates. Please continue reading as we explore how a DUI conviction can impact your insurance premiums and how an experienced Rockland County DUI Attorney can help protect your interests.
What Penalties Can I Face for a DUI?
DUI charges should not be taken lightly. This offense can result in serious repercussions that haunt a driver for the rest of their life. The severity of the penalties you can face for a DUI in New York depends on various factors including prior offenses, your blood alcohol concentration (BAC), whether an accident or injuries occurred, and whether you refused a blood alcohol test.
A DUI is a misdemeanor crime in New York. However, it can be enhanced to a felony if you have had a previous DUI conviction within the last ten years. A DUI can result in up to one year in jail for a first offense, and up to seven years for a third offense. It can also result in license suspension of at least six months for a first offense, and up to one year for a second offense. Fines can range from $500 to $10,000. Furthermore, it can result in the requirement to install and maintain an ignition interlock device in your vehicle.
How Can a DUI Conviction Impact My Car Insurance Rates?
New York requires motorists to carry car insurance, which can protect you financially in the event of an accident. Your driving record is one of the many factors that determine your insurance premium, and a DUI conviction could result in higher rates. This is because insurance companies view a DUI as an indication of a higher risk of future accident claims. Therefore, they need to charge more to cover potential losses.
Keep in mind that a DUI often results in points on your driver’s license, which can further impact your insurance rates. In addition, some insurers decide not to renew a policyholder’s coverage after a DUI conviction. Whether or not they continue to do business with a policyholder is at their discretion. This means they can decide to drop you as a customer.
If you are facing a DUI charge in New York, consulting a determined attorney from The Law Office of Carl Spector can help you understand your rights and potential defense options. Connect with our firm today to learn how we can fight for you during this difficult time.
