By Alex Rothers


Impaired driving remains a significant concern that poses a threat to road safety and increases the risk of accidents, injuries and fatalities. To address this issue, National Impaired Driving Month has been designated to raise awareness about the dangers of driving under the influence and promote responsible behavior on the roads. In this blog post, we will explore the insurance implications associated with impaired driving incidents and discuss the importance of maintaining appropriate coverage.


Increased Premiums 

When it comes to auto insurance, impaired driving can have serious consequences for your premiums. Insurance companies consider driving under the influence as a significant risk factor, and as a result, individuals convicted of impaired driving offenses typically face substantial premium increases. These rate hikes are a reflection of the increased likelihood of future accidents and claims.


SR-22 Insurance

In many jurisdictions, individuals convicted of impaired driving offenses may be required to obtain an SR-22 form as proof of financial responsibility. SR-22 insurance is a certificate that verifies you have the minimum required liability coverage in place. This form is usually mandatory for a specified period, and failure to maintain SR-22 coverage can result in further penalties or the suspension of your driving privileges.


Policy Cancellations or Non-Renewals

In some cases, insurance companies may decide to cancel or non-renew policies for individuals with impaired driving convictions. While not all insurers follow this practice, it is crucial to be aware that such actions can occur. If your policy is canceled or not renewed, you may need to seek coverage from a high-risk or specialized insurer, which often comes at a significantly higher cost.


Ignition Interlock Devices

Some jurisdictions require individuals with impaired driving convictions to install ignition interlock devices (IIDs) in their vehicles. These devices measure a driver’s blood alcohol concentration (BAC) and prevent the vehicle from starting if the BAC exceeds a certain threshold. Insurance companies may view the presence of IIDs as a positive step towards responsible driving and offer discounts on premiums as a result.


Seeking Proper Coverage

Regardless of your driving history, maintaining appropriate insurance coverage is crucial. Responsible drivers should explore their options and choose policies that adequately protect them and their assets. Working with an experienced insurance agent can help you navigate the complexities associated with impaired driving convictions and ensure you have the coverage required by law.


National Impaired Driving Month serves as a reminder of the dangers of driving under the influence and the importance of responsible behavior on the roads. Impaired driving incidents can have severe insurance implications, including increased premiums, the need for SR-22 coverage, policy cancellations or non-renewals and the requirement for ignition interlock devices. By understanding these implications and seeking appropriate coverage, individuals can protect themselves, their assets and promote safer driving practices overall. Let’s work together to create safer roads and reduce the number of impaired driving incidents.


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