Your DWI and its potential impact on your car insurance

A criminal charge can affect your life in many ways. There are potential penalties you may face that can include time behind bars and expensive fines. If you are facing charges of drunk driving, a conviction can bring penalties that may include loss of your driving privileges as well. No matter your criminal history or the charges you are facing, a strong defense strategy is important.

A DWI conviction will leave a mark on your criminal record. In addition to the criminal penalties that can come from this type of charge, there are other ways that this can deeply impact your life, including ongoing child custody disputes, job applications and more. It can also impact your bottom line in the form of increased insurance rates.

The hidden costs of a DWI

There are many ways that a DWI conviction can cost you. You may have to pay high fines, and you may not be able to drive for a certain amount of time. This may mean paying for public transportation or ride share services just to get where you need to go. If you need to drive for your job, the loss of your license could also lead to a loss of your employment. In addition to these things, it is probable that your insurance rates will also go up. 

One of the requirements you may have if convicted of a DWI in Nebraska is getting a SR-22 form from your insurance company. This simply proves that you do have liability coverage. This is probably something you will need if you are trying to get a driver's license suspension lifted.

Higher rates 

In order to continue having auto insurance coverage, which you need, you will also probably have to pay high rates. This is one of the most common ways that a DWI conviction can cost you. It is likely you will have years of increased rates after a drunk driving incident. Some insurance companies refuse to cover drivers who have multiple DWIs on their records. 

The importance of fighting back

There are many reasons why you will want to fight back against a DWI charge. In addition to keeping your record clean and avoiding the potential for time behind bars, you can also fight to save yourself money. Each defense strategy is different, and the best approach for your situation depends on the details of your individual situation. An assessment of your case can help you understand a good place to start.

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