Experienced Attorney Providing DUI Defense for Colorado Springs
After a DUI conviction, which consequence should you most worry about?
From the potential jail time to administrative penalties, there is plenty to worry about. But, one thing that most criminal defendants do not remember is the high cost of insurance post-conviction. If you are facing a DUI, you are usually worried about the bigger things. However, a devastating penalty that you should also consider (and one that may last longer than your jail sentence) is your insurance rates.
Those convicted of a DUI in Colorado will likely face a dramatic increase in the cost of their auto insurance.
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Why a DUI Affects Auto Insurance
According to Esurance, your driving record plays a role in determining how much you will pay for auto insurance. DUIs (even just one), means that you are a higher risk driver. Higher risk drivers equate to higher premiums.
The amount you pay for your monthly premium is determined by how much of a risk your insurer thinks you are, and how likely you are to be in an accident that will result in a claim. Alcohol affects the body’s central nervous system and impairs your driving ability. It also slows reaction times and your ability to concentrate. All of these factors can lead to a heightened risk for an accident.
It is illegal to drive in the state of Colorado while intoxicated. Therefore, a DUI conviction means that you are a hazard on the roads. Because of this, an auto insurer is likely to increase your rates.
If you had past discounts on your insurance policy, do not be surprised if your insurer removes those and starts charging you the full retail price of your auto insurance, too.
Colorado SR-22 Requirements
After your driver’s license has been suspended or revoked, you may be required by the Colorado Department of Revenue to file an SR-22. This is a special form that requires your insurance company to notify the DMV in the event that your policy is cancelled. It is not an insurance policy.
If the SR-22 is not kept current, your insurance company will notify Colorado’s Motor Vehicle Division that it is no longer active. Your driver’s license could be suspended for an inactive SR-22 form.
Even if you change insurers, you are required to update your SR-22 with that insurer and the state.
The time that you are required to have an SR-22 will vary depending on how many past convictions you have and the circumstances of your conviction.
House Bill 12-1168 was signed into law on June 8, 2012. This law repealed Colorado Revised Statute Section 42-2-132.5 and re-enacted several past laws. The purpose was to change requirements for SR-22s in the state.
For your first offense, you are required to have your SR-22 active anywhere from four months to three years. This means that you may have heightened insurance premiums for that time, as well.
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Avoid the Long-Term Costs Associated with a Conviction, Contact a DUI Attorney
You can avoid the long-term costs and consequences of a DUI just by speaking to a qualified DUI attorney in Colorado Springs. Christian A. Schwaner, P.C. is a former prosecutor and understands how prosecutors work in DUI cases, including first-time offenders. For the best possible outcome, you need an experienced attorney by your side. Schedule a consultation now at 719-577-9700 or contact him online.
Call or text (719) 440-6720 or complete a Free Case Evaluation form