How does a DUI affect my insurance rates?

In Texas, a DUI can have a major impact on your insurance rates. It is considered a serious offense and can cause your insurance premium to significantly increase. This is because insurance companies see DUI as a sign of potential reckless behavior and that you are more likely to be in an accident than other drivers. When your policy comes up for renewal, any DUI on your record will lead to a higher premium. The amount of the increase can vary by provider, but it is likely to add hundreds of dollars to your annual bill. Some companies may even cancel your policy altogether if your record shows a DUI. In addition to the increase in premiums, a DUI can lead to points on your license. Each point is a mark of driver negligence and can stay on your record for up to three years. If you accumulate too many points, your license may be suspended or revoked. A DUI also has other long-term financial consequences. Many employers look at a criminal record when making hiring decisions, and a DUI conviction may impact your ability to find a job. It may also mean you have to pay court fees and fines, towing or impound fees, and lost time from work. Overall, a DUI can lead to major increases in your insurance rates, additional fees, and a criminal record that could impact your career prospects. Because of this, it is important to be aware of the legal consequences of drunk driving before getting behind the wheel.

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How does a DUI affect my insurance rates?

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