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dwi charge new jersey

Does Getting a DUI Raise Your Car Insurance in NJ?

Your auto insurance costs are determined by many varying factors. The most significant aspect determining those rates, however, is your driving record. Drivers with little or no history of accidents tend to have the lowest rates. This is because drivers with fewer incidents pose less of a risk for companies that insure them. Being convicted of DUI in New Jersey will heavily impact your car insurance. If you are faced with DUI charges, talk to a Bergen County DWI Attorney and find out how they can help.

What is a DUI?

DUI stands for Driving Under the Influence. It refers to the crime of operating a vehicle while intoxicated by drugs or alcohol. It is a serious offense that can have irreparable consequences. That’s why it is taken so seriously across the country, including in New Jersey.

Will Car Insurance Rates Increase After a DUI?

If you have been charged with driving under the influence your insurance rates will surely increase.

Studies suggest that an average New Jersey driver who is convicted of a DUI sees an 81% increase in auto insurance rates. Your new increased rates can last for several years before you start to see them decrease. The astronomical increase occurs after getting a DUI because insurance companies feel you are more likely to file claims in the future.

Do You Need a Lawyer When Dealing With a DUI?

The answer is yes. It is important to hire a skilled attorney after any accident, but especially after a DUI. If you are found guilty you can face serious criminal charges, and your insurance policy will be significantly affected.

The consequences of a DUI are determined by a lot of different things. Your blood alcohol level, if this was a first or second offense, and if anyone was injured contribute to the severity of a court’s ruling on punishment. DUI charges can range from simply paying a fine to having your license suspended, mandated community service, and even jail time. These consequences are all on top of the court and legal fees you will have to pay as well. For a first offense, the charges may be less strict, but if it happens and second or even third time the repercussions will become more drastic.

A DUI attorney will have dealt with similar cases to yours and will have the experience and expertise needed to help you navigate the legal process. The right lawyer may be able to reduce or even dismiss the charges against you. If the charges are dropped your insurance rates will not increase, and you can avoid fines, community service, and time served. This is why it is imperative to find a suitable attorney in the event of a DUI.

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