How Does a Criminal Record Affect Your Car Insurance?

How Does a Criminal Record Affect Your Car Insurance?

Criminal convictions may influence car insurance rates, and they are a major factor in determining the cost of car insurance. In the event you are convicted of a minor crime, you might be charged a higher premium than those who have never been accused of a crime. When you were convicted of multiple crimes you were not only charged with higher premiums, but also penalized by the company’s policy.

Criminal record may or may not have a negative impact on car insurance based on what you were convicted of in the past. Insurance companies may not cover people with criminal records, while others may maximize rates. If you are looking to get a policy, your insurance company might consider specific things like credit history, age, location, and gender. Keep in mind that car insurance might take criminal records very seriously, so if you are previously convicted, you are considered a high-risk customer.

Different Types of Criminal Records and How They Affect Your Car Insurance

If you have a criminal record, it might adversely affect your auto insurance. The extent of the effect may depend on the type of crime you were convicted of, as well as some other factors. If you are a higher risk client, you must pay a higher premium. The national driver register keeps track of people who are considered a problem driver. At the same time, the DMV needs to report when you are authorized to drive, such as:

  • Revoked
  • Suspended
  • Denied
  • Canceled

You can request a check on your name by sending a notarized letter addressed to the national driver register. This is if you want to know whether you are on the list or not. The conviction may appear on a person’s driving record if it involves driving. A car insurance company may consider this fact because it helps set premium rates and assess your risk. The term DUI is also known as operating a vehicle impaired, driving while intoxicated, and operating a vehicle while intoxicated.

It is possible for a DUI conviction to stay on your driving record for more than three years in some states. These crimes include manslaughter or homicide, leaving the scene of an accident, and different kinds of reckless driving. There are tons of things that might impact your car insurance premium, ranging from your credit score to points at your license.

How Convictions Affect Your Auto Insurance Policy

There are different kinds of driving related felonies available and it might impact your insurance rate when you are applying for coverage such as:

  • Insurance fraud
  • Manslaughter or vehicular homicide
  • Second or third DWI or DUI
  • Hit and run

Depending on the state, some offenses may be a felony in one state but not in another. On the other hand, some misdemeanors like driving without insurance or getting your first DUI could be reported on both your criminal record and driving record. Different factors will affect your car insurance rates, such as reckless driving. Therefore, with the most trusted and largest insurance companies you can get full coverage even if you have an existing criminal record.

As an example, if you cannot purchase a policy through any major car insurance company, you can choose a company that sells policies to risky-risk drivers. There are a few states that operate high-risk insurance pools that provide minimum levels of coverage to drivers who might not otherwise be able to obtain insurance. One thing to remember; insurance companies might not be concerned with your criminal history unless and until your criminal record has something to do with your driving history. If you have had a hit and run or a DUI on your driving record, you might have trouble getting traditional car insurance, which means you must carry high-risk insurance.

How Minor Violations Can Affect Your Auto Insurance Rates Too

Most insurance organizations define a high risk drive as a person who is likely to cause an accident or file a claim.

Sara Routhier, Director of Outreach at AutoInsurance.org, lists typical behaviors that might make insurance companies consider you as a high risk driver:

  • Drunk driving
  • Drug-impaired driving
  • Distracted driving
  • Speeding
  • Drowsy driving

The best comprehensive insurance plan will cover you for the high risk risks that include repair of fiber, plastic, rubber parts, emergency transportation, roadside assistance, tyre protection, engine protection, key replacement, and return to invoice. This kind of add-on is useful to improve your insurance plan for covering uncertain happenings when you are traveling. If you have a criminal background, you need to consult with your insurance company to choose the most suitable insurance plan for you.

Conclusion

It does not matter if you have a criminal record, you must improve your situation to qualify for a low insurance rate.minimize risk as a driver and to get lower insurance rates, you should always practice safe driving habits, avoid unlawful activity, and obey all traffic laws. If your criminal record allows, you can get specific types of insurance like collision, uninsured motorist coverage, property damage liability, bodily injury liability, and personal injury protection. If you are concerned that the high cost of insurance is connected to your criminal record, you may want to purchase what coverage you need.

John Norwood
John Norwood is best known as a technology journalist, currently at Ziddu where he focuses on tech startups, companies, and products.