Social Question

Windmill's avatar

When a person gets a DUI, how does it affect their car insurance and for how long?

Asked by Windmill (509points) October 18th, 2013

Does it drop off their record after they’ve paid all their dues, fines and punishments? In the case I’m referring to, it took took two years. The last fine will be on the 11th of next month and her breathalyzer thing will be removed at that time.

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18 Answers

hearkat's avatar

It depends on the laws where your license is issued. It also depends on whether it’s a first offense or a repeat. The best way to be sure is to go to the Motor Vehicle agency website for where your license is from.

JLeslie's avatar

What took two years?

I would guess at least three years it affects insurance, but I don’t know for sure. I think most citations that result in points take 3 years.

You would have to check with the insurance company I think. The state would have a certain amount of time the points stay on your record and then the insurance company has its own policy for how they treat that offense.

Windmill's avatar

We have no idea what took 2 years. She was stopped for speeding, not for erratic driving, just outside of her apartment complex at about midnight. She was above the legal limit, but not by much, because she isn’t that much of a drinker anyway.

Originally we thought it was for one year. But at the end of that first year she got a notice that it would be yet ANOTHER year before she could be free, no reason given. Don’t know why, didn’t have the money to ask a lawyer.

I’ll start with the DMV, then the the insurance company. I thought maybe someone here had had some experience with this.

Thanks.

JLeslie's avatar

Be free? Do you mean the insurance company is saying they will keep her rates up for 2 years? I still am not clear what one or two years you are talking about.

If they thought to analyze her for alcohol she must have done something that tipped them off.

Windmill's avatar

She was originally stopped for speeding. I don’t know what tipped them off. Could have just been the time of night and the fact it was a Friday (or Saturday, I don’t know what day it was.) I do know that if they’d asked if she’d been drinking, and she had been, she’d say “Yes.” They didn’t take her to jail or anything (I don’t think…you know, I don’t even know. I’ll have to ask her.) They pulled her over in front of her apartment complex and I thought they let her leave her car there and just walk into her apartment.

For the last two yeas she’s been driving under a restricted license, and paying $90.00 a month for a breathalyzer that she has to have in her car. She has to breath into it before she can drive, and once a month she has to drive 50 miles to get it re calibrated (50 miles was the closest person who could do it.) Next month will be her last month. She’ll have to pay the $90.00 plus another $100 to get the breathalyzer taken out.
They released her real driver’s license last month but she had to pay $450 to physically get it back.
Maybe now you can understand by she will be freeeee!!! after two years!

Seek's avatar

In Florida, we had to have a special insurance policy for three years, and we could not change insurance companies during that time.

No, it does not come off your record.

I know the feeling. My husband narrowly dodged the breathalyzer due to a clerical error in our favor, but considering that the arrest (an illegal one, by the way. If we could afford a lawyer we could have the conviction overturned) happened on Father’s Day 2009, and we just dropped FR-44 insurance two weeks ago, believe me, it was an excuse to party.

Windmill's avatar

I take it back…she was arrested,but they didn’t impound her car.

@Seek_Kolinahr Yay! Did you ever get the feeling though, that the things you went through wasn’t as much for the punishment as for how much money they could squeeze from you?

Seek's avatar

Absolutely.

Especially considering the breathalyser was rigged. He blew under the limit 18 times, even triggering an asthma attack, then magically blew .17 after they calibrated the machine.

Windmill's avatar

What does that mean?

Seek's avatar

It means the cops had to meet their quota so they sacrificed my husband’s lifestyle to do it.

Windmill's avatar

Oh, I understand that. they can almost destroy people’s lives over nothing, just to make some money. Like extending her breathalyzer for a year with no explanation. She hadn’t done anything wrong, hadn’t even gotten a traffic ticket.

I was confused that he blew under the limit 18 times, then they calibrated it and it registered a .17? Is that over the limit? And did it do it more than once after they calibrated it?

Seek's avatar

It’s more than double the legal limit. And he hadn’t had a drink for over eight hours. It was nine in the morning on a Sunday, in a state with a blue law.

Windmill's avatar

Wow! So did it do it just one time or did he have to get it re-recalibrated?

Seek's avatar

Once they got a number they liked they stopped making him blow.

Windmill's avatar

Wait, so you’re talking about the original calibration? He blew 18 times when the mechanic was adjusting it originally? And they quit adjusting it after he blew at twice over the legal limit? Is that what you’re saying?

Sunny2's avatar

And people wonder why people don’t trust the police.

Windmill's avatar

Holy crap…..

Or the entire judicial system @Sunny2.

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