West Palm Beach Automobile Insurance

West Palm Beach automobile insurance is a tricky area to navigate if you've recently been convicted of a DUI/DWI. If you've been found to be driving under the influence of alcohol or drugs, you have plenty of other things to worry about than your West Palm Beach, FL automobile insurance, however, you need to give some serious attention to your policy as your automobile insurer can cancel your coverage in some instances. If you are cancelled and have a DUI on your Florida driving record as well, you will have an extremely difficult time finding West Palm Beach car insurance coverage, let alone low rates.

A DUI Conviction

In West Palm Beach, FL, in order to be convicted of a DUI, you must have a blood alcohol level of .08 or higher, or .02 for anyone under the age of 21. If this is your first or second offense, it'll be classified a misdemeanor. If you've had prior DUI convictions, or under special circumstances like the driver is an underage minor, or has a blood alcohol level of .15 or higher, there will be more severe penalties. Likewise, if there's automobile damage involved. If you are found to be driving under the influence after causing damage in a West Palm Beach automobile accident where there has been automobile damage, you'll be facing more serious penalties.

If you have had prior DUI convictions, making this your third or fourth violation, your action will be considered a felony by the West Palm Beach, FL courts. If you cause bodily injury to anyone while driving under the influence, you will also be facing felony charges. The penalties you face will be extremely serious and you could face quite a bit of jail time.

As a first offender in the state of Florida, you'll face fines of up to 1,000.00, depending on the circumstances, possibly 6 months of jail time, and 6 months to 1 year suspension of your license. The state will require some proof of West Palm Beach area Florida automobile insurance protection, usually liability. If you want to get your drivers license back and in good standing, you'll need to obtain what's called an SR-22.

Getting Back in Good Standing

An SR-22 is a certificate mandated by the state. This is necessary in order to release your driver's license from suspension. It verifies that you are maintaining your West palm Beach area automobile insurance liability coverage. You will be notified by the state Department of Motor Vehicles at the time you need to show proof of West palm Beach auto insurance liability coverage.

In order to lift your suspension, you will need to maintain your liability coverage with your West Palm Beach vehicle insurance agency and your auto protection broker, and provide an SR-22 for 3-5 years post conviction. This can be like walking a tightrope. When your current West Palm Beach auto insurance provider finds out that you need an SR-22, it will become apparent that you have been convicted of driving under the influence. At this point your automobile policy could be cancelled by your current provider.

A Cancellation

If you find your West Palm Beach automobile insurance company has cancelled your automobile coverage, you'll still need to provide an SR-22 in order to retain your drivers license. In order to lift your suspension and retrieve your drivers license you'll need to obtain West Palm Beach auto insurance and this can be very difficult to procure if you have not only a DUI on your record, but also have been cancelled by an automobile insurer. You'll be paying a higher rate than before, perhaps by quite a bit as you are now considered a serious high risk.

One of the wisest moves you can make when you find yourself charged with a DUI is to seek professional advice from an insurance advisor. You'll risk your insurance company cancelling you, but you can find out ahead of time just what your options are. A DUI conviction is most assuredly a legal situation, and you will seek legal counsel as soon as you are charged. It can turn, very rapidly, into a lifelong automobile insurance problem. Meeting your problem head-on is the best way to handle the situation.

Of course, you can find out the West Palm Beach automobile insurance companies' stances on DUI and cancellation of your policy when you shop for your coverage. At the time you are gathering quotes to compare, you might just read up on the practices regarding many serious violations. We are all human and we all make mistakes. The best way to manage the fallout is to be prepared and know what that fallout might be. Once you know what to expect, you can begin rebuilding your reputation and your good standing in the eyes of the West Palm Beach automobile insurance community.


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