DWI Convictions and Insurance Rates - A Negative Relationship

We all know that when we are given a speeding ticket or get into a car accident our insurance rates will go up. A DWI or DUI conviction works in the same way except has a larger effect on the rates a person is charged. An individual that is convicted of a DWI or DUI can expect their pocketbook to take a hard hit from insurance rates, on top of the fines and penalties imposed by the state.

Before an individual that has been convicted of a DWI can get his or her license back, the driver is required to show an SR-22 form. This is not a type of insurance as much as proof that a driver has the various types of insurance required by the state. The SR-22 is filed by an insurance company and states that the driver in question has auto liability insurance and it is in effect. This procedure is frequently required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility at the time of the offense.

The majority of auto insurance carriers will be able to provide an SR-22 form and may be able to insure your vehicle(s) as well. Unfortunately, the minute a person requests an SR-22 form, he or she is considered a high-risk driver by the insurance companies. Considering that this form is required after a traffic offense conviction, this might not be completely off the mark.

Once an individual is a high-risk driver, he or she can expect the insurance premiums paid to possibly double, maybe even triple. If a person had previous discounts for a safe driving record and no claims on their insurance, the increase in insurance premiums can be even worse.

An individual who has been convicted of a DWI or DUI (the term depends on the state) may find it quite beneficial to shop around for the best rates possible. There are a variety of insurance companies that specialize in providing high-risk policies. Another option is to insure one vehicle on a high-risk policy and put all other vehicles and drivers on a different policy.

It is important to remember that not all insurance companies will provide insurance after a DWI conviction and they will not provide the SR-22 form. When a driver is convicted of a DWI, if the insurance company does not provide SR-22 forms, there is a good chance that the company will cancel or not renew the convicted driver's current policy. A cancellation on a person's claims history will drive up the price of future premiums.

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Drinking Problems and DWI Convictions

It is difficult for many of us to understand why anyone would operate a vehicle while drunk or under the influence of another drug. It is even more perplexing to learn that someone we know has been convicted of this crime multiple times. It seems like a matter of simple common sense to take a taxi or get a ride with a friend when one is impaired. Why do some people have difficulty doing this? There are many potential reasons, ranging from ignorance to recklessness to self-destructive impulses. One common factor among people with DWI convictions is a problem with drinking.

"Alcoholism" has been defined many different ways by many different individuals and organizations, depending on their personal views and experiences. The DSM IV-TR, the current manual that US psychologists use when making diagnoses, attempts to quantify mental health issues by defining them in terms of observable, measurable behaviors. Based on the information they have gathered, the authors of the DSM IV-TR offer two related but distinct drinking problems: abuse and dependency.

Alcohol abuse is the more mild of the two, although it can still have very serious consequences. A person is abusing alcohol if they continue to drink to excess after suffering some sort of consequence for it. The consequence(s) may be legal, such as a DWI conviction; emotional, such as loss of self-respect or damaged relationships with other people; financial, such as spending too much money on liquor or legal fees; or health-related, such as liver damage. A person who is abusing alcohol will not suffer physical symptoms of withdrawal when they cannot drink; they simply have no desire to quit. This may be because alcohol is a way for them to self-medicate a separate emotional problem, such as depression or anxiety. It may be that they feel alcohol gives them something they are lacking in their life, such as self confidence, a sense of security or happiness.

Alcohol dependence is similar to alcohol abuse, with one crucial addition: physiological symptoms. This can mean increased tolerance, requiring the person to drink more to get the same effects, or physical withdrawal. Symptoms of alcohol withdrawal include shakiness, anxiety or irritability, nausea and difficulty concentrating, among others. In the most severe cases, a person might experience what is known as the DT's - a period of intense distress and visual hallucinations.

These difficult emotional problems can make it difficult for a person to resist the temptation to drink at social events, and increase their temptation to drink alone, making it harder to simply get a ride home with a friend. The emotional effects of a drinking problem, such as depression and low self-esteem, also make people more likely to engage in risky behavior.

For more information about drinking and the law, contact Austin DWI defense attorneys Morales & Navarrete.

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