If you are convicted of a DUI then you have a serious problem: your ability to drive has been taken away and with that being the case, you may have trouble getting to work, getting to school, or performing other important functions. So, what do you do? How do you go about fixing that?
The most obvious thing you could do is wait until you are allowed to drive again without limits but there are things that you can do in the meantime. For example, Fr44 insurance is a very popular solution and one that many people have understandably taken advantage of. Before we get into that, we would like to answer some of the most obvious questions, the first being the length of time a DUI conviction remains on your insurance record.
How Long will a DUI Affect your Ability to Get Insurance?
Because you are now regarded as a high-risk factor, you will need to purchase more expensive insurance, and you will need to keep up with it as best you can. Now, with that being the case, most insurance companies will track your DUI’s for a period of three years, and then you will be free and clear to purchase regular insurance again.
Other insurance companies, however, will track your history for up to five years. Keep in mind that the DUI remains on your criminal record for more than three years and insurance companies are privy to that information. As always, feel free to call us for more information on how a DUI can affect your chances of obtaining coverage and to get learn more about Fr44 insurance in Florida.
How Long will your License Be Revoked?
Another very common question that people tend to ask after a conviction is how long their license will be revoked for. There are a few different levels which are as follows:
In your initial conviction, you will have a 180-day revocation. This can change depending on the severity of the incident, for example, if you caused serious bodily harm, then you could have your licensed revoked for up to three years.
In the second conviction, you will receive a five-year revocation assuming that the incident occurred within five years of the initial conviction. If it has been more than five years since your last conviction then you will receive the 180-day suspension.
If you have a DUI conviction that occurs within ten years of your second conviction, then you will lose your license for a period of ten years.
It is important to note that the length of time your license will be suspended for depends heavily upon the severity of the incident. The worse it is, the more time you will spend without your license and at the end of the day, it is up to the court system.
High-Risk Insurance After the Fact
When you have your license back you can apply for our high-risk insurance packages that will do a great job of getting you back on the road where you belong. Naturally, it will be a bit more expensive, but it is well worth it, and you have the choice to ensure your car, or simply yourself so that you are free to drive cars that belong to others. It is true that Fr44 coverage is much more restrictive than the other options on the market, but it allows you to stay on the road and allows you to continue your life as normal.
Bottom line: Don’t let a DUI be the effective end of your life. Reclaim it by paying a little more and working your way to a new normal.
For more information and to get your Fr44 coverage in Florida started, give us a call and get a quote. The open road awaits, and all you need is a policy that will cover you.