What Happens To My Washington Auto Insurance After DUI
Reader’s Question:
I have a DUI conviction a year ago here in Washington. I need to renew my auto insurance. What will happen to my insurance? Is there a chance that it can be renewed?
Cyrus
Seattle, WA
Most insurance companies check your motor vehicle record only once every three years or if you are applying for a new policy. Sometimes, tickets, accidents and DUI convictions could escape their attention or do not end up on your motor vehicle record. But if they find out about your Washington DUI conviction, two things are likely to happen.
First is that your insurance company would likely raise your car insurance premiums and label you as a high-risk driver if it finds out you have been convicted of DUI. Second is that your insurance company may cancel your mid-term or terminate the policy at the end of the term, especially if you’re currently in a preferred class. They would send a notice stating why you’ve been canceled.
Washington state law requires DUI convicts to get an SR-22 from their insurance company so you cannot hide. Your insurance company would have to provide the DMV with an SR-22 form which removes your license suspension by providing the state with proof of your insurance. If your insurance company cancels your auto insurance for any reason, an SR22 also means your insurance company would have to notify the DMV about this. You will likely have to file proof of insurance for three or five years with Washington DMV in this case. Some insurance companies do not offer SR22 policies, so you may also be canceled or non-renewed because your insurance company can no longer provide what you need.
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