Understanding Insurance Options After an Oregon DUI Arrest

What Happens to Your Insurance After a DUI Arrest?

If you've been arrested for driving under the influence (DUI) in Oregon, it's essential to understand how your insurance coverage may be affected. In most cases, an arrest does not automatically cancel or suspend your insurance policy. However, if you're convicted of a DUI, your insurance rates may increase significantly.

Insurance companies often review policies for individuals who have been arrested for DUI, and they may re-evaluate the risk associated with insuring that individual. This could lead to higher premiums or even cancellation of coverage in extreme cases.

How Can You Keep Your Insurance Coverage After a DUI?

If you're facing the possibility of increased insurance rates or even cancellation due to your DUI arrest, it's crucial to take proactive steps to maintain coverage. One option is to shop around for new insurance providers that may offer more competitive rates.

Additionally, many insurance companies offer special programs or discounts for individuals who complete a DUI education course or participate in treatment programs. These initiatives can help mitigate the impact of increased premiums.

What Can You Do to Avoid Higher Insurance Rates?

To avoid the financial burden of increased insurance rates, it's essential to take steps to address any underlying issues that may have contributed to your DUI arrest. This could involve seeking professional help for addiction or substance abuse.

By addressing these issues and taking proactive measures to improve your driving record, you can demonstrate a reduced risk to insurance companies, potentially leading to more competitive rates.