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What To Expect With Car Insurance After DUI In Texas

A DUI will not only affect you but most if not all people around you. Once your driver’s license has been suspended, you will have to pay high fees and surcharges not mentioning the cost of the court case and restoring your license. If the circumstances surrounding the conviction include you serving a jail term, this will directly affect your immediate family and also tarnish your record permanently. It will be harder to secure employment and even in the lesser convictions may cost you your current job. There is basically no easy way of moving on after being convicted of a DUI or DWI in Texas unless you are lucky.

This case has been made possible by the several organizations nationwide which are campaigning for steeper penalties on Texas DUIs and DWIs. One such renowned organization is MADD (Mothers Against Drunk Drivers) which has been advocating for this purpose since the 1980s. It is a group of people who have come together following the severe injury or death of a loved one as a result of drunk driving. Just knowing this should make anyone think twice or even thrice before attempting to drive when feeling intoxicated.

Being convicted for this misdemeanor or felony does not mean that you will be shunned by all car insurance companies in Texas. This only puts you in the category of high risk drivers and that you will have to pay high insurance premiums for a long time to come. The rate you will have to pay is different from persons under 25 years who are generally considered high risk. Yours will most likely be higher than theirs and about double or more as compared to your previous rate. Most insurance companies try to underwrite the least number of high risk drivers as possible. This is their main reason for high premiums for traffic offenders especially ones with a DUI under their belt. These high premiums cause one to be extra careful on the road to avoid an accident by all means because if one occurs and you are at fault, it will be just additional cost on car insurance cover for you.

In Texas, you will be required to obtain a SR-22 cover in order to be allowed to drive on the road after a DUI conviction. These are readily available from most Texas Car Insurance firms and they will cost you dearly. This may seem an easy scapegoat especially for those who can afford it but the society will hold you accountable. As for those with some form of financial constraints, they may find themselves unable to afford car insurance and will have to contend with the suspended license until the period expires. There are however cheaper rates available all over the internet and you will just have to take time to look for the right one. Enter the Zip of your area and find one available just near you. Do not just jump at the first cheap one. Take your time to compare several more.