How long does a DUI stay on my driving record?

Typically, a DUI will remain on your driving record for three to five years, depending on your state. Please keep in mind that a driving record is very different from a criminal record. A DUI could potentially stay on your criminal record for life. It is a very serious violation and should never be taken lightly.

Depending on the state in which you live, a DUI may be also be referred to as a DWI (driving while intoxicated, OMVI (operating a motor vehicle impaired, or OVI.

Insurance rates vary from person to person. When an insurance company considers coverage for a potential client, it bases its rates for that client based upon a number of factors. Some of those factors may include age and driving history. If a driver has a long history of claims, they are considered to be a higher risk client. Therefore, they would most likely be given a higher rate for their insurance coverage.

Several factors will dictate how much your insurance rate will increase in the event you get a DUI. These factors my include the amount of time passed since your DUI, your age, as well as your driving history.

The same goes for DUIs. Drivers who have DUI violations will have to pay a higher rate for their insurance. This is because the insurance company deems them a riskier client. In some instances, this particular person may even be denied coverage entirely. So, a situation like this is considered extremely serious.

If I’m in an auto accident while drunk, am I still covered under my insurance?

If you are ever involved in an auto accident while driving under the influence of drugs or alcohol, you are still covered on your auto policy, up to the limits stated on your auto policy. This includes any damage that your car sustains, damage to the other person’s car, as well as any injuries sustained.

Once a DUI is removed from your driving record, you will most likely see a decrease in your auto insurance rate.

If you are ever issued a “DUI”, you’re likely jeopardizing your ability to retain your auto insurance. It is likely that your current carrier will drop you from their client list.

The moral of the story here really is that you should never drive a vehicle while under the influence of drugs or alcohol, but if you are a current Erie Insurance customer, call 1-800-367-3743 if you have questions regarding your auto insurance, including questions regarding DUIs.