Alaska Auto Insurance After DUI
Reader’s Question:
Will my current auto insurance here in Alaska increase immediately after I get convicted for DUI? How long would I have to pay those higher auto insurance rates?
Galen
Anchorage, AK
Unless your auto insurance policy in Alaska is already up for renewal, your premiums will not increase immediately after a DUI conviction. In general, an auto insurance company runs a check on your motor vehicle record (MVR) if they are renewing your auto insurance policy or if you are a new customer. Once your auto insurance provider notices your DUI, it’s the time that your premiums will increase. Depending on the state laws and the rating systems of the auto insurance companies, your premiums will be affected for a period of three, five or seven years, or as long as the conviction is on your Department of Motor Vehicles (DMV) record if the insurance laws in Alaska allow it.
Because of a DUI conviction, auto insurance premiums are likely to increase substantially and you will be considered as a high risk driver by auto insurance companies. On average and depending on the guidelines of your auto insurance provider, the increase on your premiums is 30%.
Your DUI would have a negative effect on your auto insurance as you will be placed in a higher risk group and your rates could stay higher on a number of years after your conviction. But that doesn’t mean you can’t do anything about it because you can still shop and compare auto insurance quotes to find the most manageable rates.
Do I Need DUI Auto Insurance In Alaska?
Reader’s Question:
I was convicted for DUI here in Alaska and I need to have a DUI insurance because I am getting back my license soon. Is it okay for me to just retain my current auto insurance and buy insurance for my DUI from another company?
Kalem
Anchorage, AK
Most of the time, DUI insurance would be given as a standard policy with higher rates. Other auto insurance companies offer DUI insurance in addition to a standard policy like when adding uninsured driver coverage or other kinds of additional coverage. The auto insurance provider should inform the Department of Motor Vehicles (DMV) that the person convicted for DUI has insurance so that the driver’s license suspension could be removed. If the motorist has stopped the auto insurance policy, the insurance provider is accountable for informing the DMV about that and the license will be suspended again.
It would be okay for you to retain your current auto insurance and buy a DUI insurance from another company. By doing this, your auto insurance provider will not find out about your DUI conviction in Anchorage, Alaska and your premiums won’t increase. But this is risky because most insurance providers regularly check on their customers’ record. Try and enter your zip code to get a quote for your DUI insurance from this website.
Signing Up For DUI Class in Alaska?
Reader’s Question:
I need to attend DUI class after I was charged with DUI here in Alaska, how do I sign up for that?
Miranda
Anchorage, AK
Just as with any other traffic violations, a DUI charge often end with the accused having to attend DUI class. A DUI School is more likely to be a relatively small part of the sentence for a DUI conviction since you could also face stiff fines, and even serving time in jail. But attending DUI class is a deterrent to future convictions. Before you sign up for DUI class because of your DUI charge in Anchorage, Alaska, you have to find out from the court first and verify with your DUI lawyer exactly what type of DUI class you should attend. The length of time could vary and you should not choose a class that doesn’t satisfy the court.
You can go online to help you find DUI schools near you, and I’m sure you’ll have several options. You can also use other resources online for finding the right DUI School. You might want to use nonprofit or government-run websites for unbiased information. For instance, the local Department of Motor Vehicles office is a public entity and will give you a more complete list of options. While finding the right DUI School, you might also want to find the right car insurance for you so go on and get a free quote from this website.
Help I Have Been Charged With Drunk Driving in Alaska
Reader’s Question:
I know that I can be charged with DWI if I am drunk driving with a blood alcohol level of .08%. But is it true that I can also be charged with DWI if my blood alcohol is lower than that? If so, how can a DWI case be prosecuted and in case I am charged with DWI, what’s the first thing that I would have to do?
Jair
Anchorage, AK
Yes, it is true, Jair, you can be charged with DWI if you are caught drunk driving in Anchorage, Alaska with a blood alcohol content (BAC) even below 0.08%. There are two theories of DWI cases in the state of Alaska that a person can be prosecuted with. The first one would be the violation of the “per se” law by driving with a BAC of .08% or higher and the other one is by driving while impaired. For the purposes of Alaska’s DWI laws, impairment could be proved by field sobriety test performance, chemical test results and driving patterns.
If in case you are charged with DWI, the very first thing that you would have to do is to hire a skilled DWI defense lawyer. This kind of lawyer would know how to deal with each type of evidence in a drunk driving case in the state of Alaska. An experienced DWI defense lawyer could walk you through and help you in every stage of your DWI case. Moreover, he/she could go with you and defend you not just on your DWI trial in court, but he/she could also represent you in your administrative case with the Department of Motor Vehicles (DMV).