When a teenager gets behind the wheel of a car, they may not consider the consequences of their actions. This can sometimes lead to reckless decision-making and, in some cases, lead to a DUI arrest. While most Louisianians know DUIs carry severe penalties like fines and jail time, they may not know that a DUI can significantly affect your teen’s car insurance rates.
A DUI charge can drastically impact your child’s freedom and future. After being arrested for driving under the influence of drugs or alcohol in Louisiana, it is crucial to contact a trusted DUI defense attorney as soon as possible. Your attorney will review the facts of your case and be a fierce advocate for your rights.
Will a DUI Affect My Teen’s Car Insurance Rates?
Often, insurance companies will refuse to insure individuals convicted of a DUI. This means that if your child is covered under your insurance policy, they may be kicked off. In Louisiana, it is illegal to drive without insurance coverage. Suppose your child drives to school or work after losing their insurance coverage. In that case, they could be pulled over and charged with additional crimes.
If your insurance company decides to continue to ensure your child, your rates may double while the DUI remains on their driving record. Teenage drivers are already considered at high risk to insure by insurance companies because they are statistically more likely to be involved in car accidents than adults. The rates can quickly become astronomical when a DUI is considered along with your child’s age. While a DUI may stay on an individual’s driving record for two or three years in some states, those convicted of a DUI in Louisiana can expect their conviction to impact their insurance for five years.
Steps Your Teen Can Take to Lower Their Insurance Rates After a DUI
One of the most reliable ways to lower your teen’s insurance rates is to make sure they understand traffic laws and stay safe behind the wheel. If your child does not get any additional violations or causes any accidents, their rates could go down over time due to their safe driving habits.
Another way to lower your teen’s insurance rates is for them to participate in a defensive driving course. Taking this course may show that your child is actively working to improve their driving after the DUI. If safe driving and courses do not help your insurance rates, it may be time to shop around. Some insurance companies may offer home and auto insurance bundles that can drive costs down significantly.
Discuss Your Case With an Expert Louisiana DUI Defense Attorney
The best defense against an increase in your teen’s auto insurance rates is never driving while intoxicated. Make sure your teen knows the dangers of operating a motor vehicle after drinking and knows who to call if they are not safe to drive.
While many teens may understand what to do before driving drunk, mistakes can happen, especially when they are under the influence. Eric G. Johnson of the John D. and Eric G. Johnson Law Firm understands this and the severe consequences such a mistake could have on your child’s life. Our attorneys are dedicated to working tirelessly to advocate for the accused and defend their rights in Louisiana. Our firm has a proven track record of lessening potential penalties and achieving the best possible outcomes for our clients. Call us today at (318) 377-1555 or complete our contact form to schedule a free consultation to discuss protecting your child’s future.