Getting caught driving drunk (DUI) in Canada makes your car insurance very bad. This article tells you what happens to your insurance after a DUI in Canada. We’ll show how it changes now and later. We’ll also give you ways to help. Knowing these things can help you deal with problems after a DUI.
A good DUI lawyer can help you understand the charges and the impact of the DUI on your insurance. A DUI lawyer knows the rules about DUIs and insurance in Canada. They can tell you what these rules mean for you. They know how different provinces handle DUIs and insurance.
Contents
- 1 Immediate Effects of a DUI
- 2 Long Term Effects of a DUI
- 3 High-Risk Auto Insurance
- 4 Losing Discounts
- 5 How a DUI effects Other Insurance
- 6 Ways to Make Things Better in Canada
- 7 Always be truthful
- 8 Other Ways to Travel in Canada
- 9 Getting Help from a lawyer
- 10 Making Your Insurance Better
- 11 Conclusion
Immediate Effects of a DUI
Your insurance company will find out about your DUI fast. They will see it when you try to get new insurance. Then, your insurance will cost much more. Many companies in Canada make you pay two or three times more. Some might even stop your insurance. If this happens, you must find new insurance. It’s very hard to find cheap insurance with a DUI in Canada.
Long Term Effects of a DUI
In Canada, a DUI stays on your driving record for many years. It stays for at least 3 years, but it can make your insurance bad for up to 10 years. You will pay more for insurance all this time. Your costs might go down slowly if you drive safely. But they won’t go back to normal for many years. Insurance companies might also give you new rules.
High-Risk Auto Insurance
After a DUI in Canada, you might need special insurance for bad drivers. This insurance costs more. Not many companies sell it. You might need this insurance for many years after your DUI.
Losing Discounts
A DUI takes away good things about your insurance in Canada. You lose discounts for good driving right away. You might lose other good things too. Your insurance company might change your insurance. They could make you pay more if you have a crash. They might also give you less protection. All these changes make your insurance cost more.
How a DUI effects Other Insurance
A DUI can change more than just your car insurance in Canada. Life insurance companies might think you’re not safe. This can make life insurance cost more or be hard to get. Your basic health care doesn’t change because Canada has public health care. But some extra health plans might cost more.
Ways to Make Things Better in Canada
You can do some things to help with insurance after a DUI in Canada. First, look at prices from many insurance companies. Some companies are nicer about DUIs. Look for companies that help bad drivers. Take a safe driving class in your area. This might make your insurance cost less. Drive safely after your DUI. This shows insurance companies you’re being careful.
Always be truthful
Always tell your insurance company the truth about your DUI. In Canada, lying can cause big problems. Your insurance company might stop your insurance if they find out you lied. Then you have no insurance and it’s harder to get new insurance. Telling the truth helps you fix the problem the right way.
Other Ways to Travel in Canada
Think about other ways to travel to pay less for insurance. Using buses or trains can help. Some Canadian insurance companies have good prices if you don’t drive much. Sharing rides or riding a bike means less driving. This makes insurance companies think you’re safer.
Getting Help from a lawyer
Getting help from people who know about insurance in Canada can help after a DUI. An insurance helper can tell you what to choose and find good prices. A lawyer might help fight the DUI. This could make your insurance problem smaller. Money helpers can show you how to pay for more expensive insurance.
Making Your Insurance Better
Try to make your insurance better as time goes by. Pay your insurance on time. Don’t get any driving tickets or have crashes. Think about taking more driving classes in your area. Try to make other things better, like how you use money. Keep looking for new insurance deals. You might find better choices as your DUI gets older.
Conclusion
A DUI makes your insurance in Canada very bad for a long time. Knowing these problems helps you get ready. By doing smart things, you can make the insurance problems smaller. Remember, never drink and drive to avoid these problems. Always have a safe way to get home when you drink. This keeps you, other people, and your money safe. If you’re careful for a long time, you can fix the insurance problems from a DUI in Canada.
