Many are unaware that aside from jail times, fines, and attendance to intervention programs, offenders of DUI (Driving under the Influence) could also face the costly consequence of rising car insurance rates in Nevada. Proceed reading below this post to learn more.
The SR-22 car insurance in Nevada
If convicted of Nevada DUI, the DMV or Department of Motor Vehicles in the State will revoke your license and you must wait the set time to pass before you can apply for its reinstatement. One of the key requirements of a reinstatement is an SR-22. This is a document that must be issued by your car insurance company that shows you have enough financial stability to get back on the road.
If without a current car insurance in Nevada, you must immediately get one as there is a holding period of three years where you must keep your car insurance to keep your driver’s license valid.
The rise of car insurance rates
Due to Nevada DUI, car insurance companies will now treat you as a “high-risk driver”, especially if you have been charged of the very offense many times. This brand means more expensive car insurance rates.
In Nevada, the average car insurance rate in Nevada is $1,809.91 per year and if convicted of DUI, there will be a boost of $855, making your average rate $2,756.44 per year. This is only a general rule, though, as depending on the magnitude of your case, the rates you need to pay might increase 50 to 200%.
You must know that there are some car insurance companies in Nevada that might drop your coverage at the time of DUI while some may not accept you if you try to apply for a new one. The ones that will keep your coverage will typically increase the fees for your premium plans as we have previously stated.
The defenses against Nevada DUI
One of the best solutions against rising car insurance rates is not committing Nevada DUI in the first place. A responsible driver gets to expend their driving privileges without the fear of being pulled over and losing their driver’s license in a single driving session. If it is too late to be a responsible driver in the present time then you must use the following defenses so you can be acquitted and actually try to be responsible the next time.
- Your blood alcohol concentration (BAC) level did not exceed the limit
- Inexpertly administered field sobriety tests
- You were drunk driving out of coercion or duress
- Certain factors heightened your BAC level
Being convicted of DUI really is full of downsides which is why we recommend having a dependable DUI attorney in Las Vegas to handle your charges. You do not have to take on increased car insurance in Nevada if you are with a competent legal representation!