There are so many ways in which your car insurance could be affected by DUI (driving under the influence), which is also referred to as impaired driving. If you have been recently caught in such an act there is a high chance that your insurance premiums would become costlier. In Canada, if you drive while being influenced by drugs and alcohol it is regarded as a rather serious offense and in that case, you may have to look for the cheapest DUI auto insurance. It is because of the harm that such driving can cause you as well as others that are close to you that the penalties are so stiff in these cases.
If your car insurer finds out that you have a DUI on your record there are several ways in which it can go about it. It may even cancel your policy in case such a situation happens. In that case, you may have to look for cheap car insurance after DUI. In case it maintains the coverage you can be sure that your premium rates would go up. Insurers also have the right to refuse claims if you do not provide them with your DUI information. So, in that case, you must look for policies that specialize in high-risk drivers.
The good thing with the penalty that you incur from your car insurer following a DUI will not last forever. If you can mend your ways and manage your driving situation you may not have to pay a high premium afterward. If you do not file any claim and have a clean driving record afterward there is a good chance that you would not have to look for car insurance for people with DUI as your premiums would be decreasing each year in such cases. In fact, if you can keep doing this for a few years soon you would be able to insure your car at normal rates.
Are you wondering if you should inform your insurer about your DUI or not? Well, experts say that you must do so as you are contractually obliged to do so. If you decide to skip the matter and your insurer finds out about it, it can take any action it wants to. They can refuse to cover you and cancel your policy on grounds of misrepresentation. That means you may jolly well have to get auto insurance with suspended license as well.