Criminal Defense Lawyers

Will a Nevada DUI jack up my car insurance premiums?

Will a Nevada DUI Jack Up My Car Insurance Premiums?

If you’ve been arrested for driving under the influence (DUI) in Nevada, you’re likely worried about the legal consequences – jail time, fines, a suspended license. But have you considered how a DUI conviction could impact your car insurance rates? Unfortunately, a DUI can cause your premiums to skyrocket. At Spodek Law Group, we understand how stressful and overwhelming this situation can be. Our experienced DUI attorneys are here to help you navigate the complex legal process and minimize the long-term fallout from a drunk driving arrest.

DUI Penalties in Nevada

First, let’s review the potential criminal penalties for a first-time DUI offense in Nevada:

• Up to 6 months in jail
• $400 to $1,000 in fines
• 90-day driver’s license suspension
• Mandatory DUI school
• Possible ignition interlock device

While these direct consequences are serious, the indirect impact on your car insurance premiums can be even more devastating financially. Insurance companies view drivers with a DUI as high-risk and will almost always raise rates substantially after a conviction.

How Much Will a DUI Raise My Car Insurance in Nevada?

So just how much can you expect your car insurance to go up after a DUI in Nevada? While the exact increase will vary based on your specific circumstances and insurance company, the average premium hike is about 56% according to MoneyGeek’s analysis.For example, let’s say you were paying $1200 per year for full coverage car insurance before your DUI. After a conviction, your annual rate could jump to around $1872 – an increase of $672 per year. Over the course of 3-5 years (the length of time a DUI typically stays on your driving record), that adds up to thousands in additional insurance costs.Some real data on how much major insurers in Nevada may raise rates after a DUI:

*Note: USAA is only available to military members, veterans and their families.As you can see, the financial consequences of a DUI extend well beyond the initial fines and fees. Hiring an experienced DUI defense lawyer can help you fight the charges and potentially avoid a conviction – which is the best way to prevent insurance rate hikes.

Will My Insurance Company Drop Me After a DUI?

In addition to raising your premiums, your current car insurance company could choose to cancel your policy after a DUI – especially if it’s not your first offense. While Nevada law prohibits insurers from canceling your policy in the middle of a term, they can decline to renew your coverage once the policy expires.If you do get dropped by your insurance company after a DUI, you’ll be forced to seek coverage elsewhere as a “high-risk” driver. Not all insurers are willing to take on the added liability of covering someone with a recent DUI. You may have to turn to specialty insurers that cater to high-risk drivers, often at exorbitant rates.The bottom line is that a DUI conviction makes finding affordable car insurance extremely difficult. The skilled DUI attorneys at Spodek Law Group will explore every possible avenue for getting your charges reduced or dismissed to minimize the impact on your insurance.

SR-22 Insurance Requirements After a Nevada DUI

After a DUI conviction in Nevada, you’ll likely be required to carry an SR-22 certificate of financial responsibility. An SR-22 is not a type of insurance, but rather a form your insurer files with the DMV to verify you have the state minimum liability coverage.In Nevada, you must maintain an SR-22 for 3 years after a DUI conviction. During this time, if you let your insurance lapse or cancel your policy, your insurer is required to notify the DMV and your license will be suspended.SR-22 insurance is typically much more expensive than standard coverage. The filing fee alone can be $25 to $50, and then your premium will be inflated because you’re now considered a high-risk driver. Some insurance companies don’t even offer SR-22 policies.At Spodek Law Group, we know how difficult and stressful it can be to secure affordable SR-22 insurance after a DUI. We’ll work tirelessly to clear your name and protect your driving privileges so you can get back on the road without breaking the bank.

Christine Twomey

2024-03-21

Just had my Divorce case settled 2 months ago after having a horrible experience with another firm. I couldn’t be happier with Claire Banks and Elizabeth Garvey with their outstanding professionalism in doing so with Spodek Law Group. Any time I needed questions answered they were always prompt in doing so with all my uncertainties after 30 yrs of marriage.I feel from the bottom of my heart you will NOT be disappointed with either one. Thanks a million.

Brendan huisman

2024-03-18

Alex Zhik contacted me almost immediately when I reached out to Spodek for a consultation and was able to effectively communicate the path forward/consequences of my legal issue. I immediately agreed to hire Alex for his services and did not regret my choice. He was able to cover my case in court (with 1 day notice) and not only was he able to push my case down, he carefully negotiated a dismissal of the charge altogether. I highly recommend Spodek, and more specifically, Alex Zhik for all of your legal issues. Thanks guys!

Guerline Menard

2024-03-18

Thanks again Spodek law firm, particularly Esq Claire Banks who stood right there with us up to the finish line. Attached photos taken right outside of the court building and the smile on our faces represented victory, a breath of fresh air and satisfaction. We are very happy that this is over and we can move on with our lives. Thanks Spodek law 🙏🏼🙏🏼🙏🏼🙏🏼🙌🏼❤️

Keisha Parris

2024-03-15

Believe every single review here about Alex Z!! From our initial consultation, it was evident that Alex possessed a profound understanding of criminal law and a fierce dedication to his clients rights. Throughout the entirety of my case, Alex exhibited unparalleled professionalism and unwavering commitment. What sets Alex apart is not only his legal expertise but also his genuine compassion for his clients. He took the time to thoroughly explain my case, alleviating any concerns I had along the way. His exact words were “I’m not worried about it”. His unwavering support and guidance were invaluable throughout the entire process. I am immensely grateful for Alex's exceptional legal representation and wholeheartedly recommend his services to anyone in need of a skilled criminal defense attorney. Alex Z is not just a lawyer; he is a beacon of hope for those navigating the complexities of the legal system. If you find yourself in need of a dedicated and competent legal advocate, look no further than Alex Z.

Taïko Beauty

2024-03-15

I don’t know where to start, I can write a novel about this firm, but one thing I will say is that having my best interest was their main priority since the beginning of my case which was back in Winter 2019. Miss Claire Banks, one of the best Attorneys in the firm represented me very well and was very professional, respectful, and truthful. Not once did she leave me in the dark, in fact she presented all options and routes that could possibly be considered for my case and she reinsured me that no matter what I decided to do, her and the team will have my back and that’s exactly what happened. Not only will I be liberated from this case, also, I will enjoy my freedom and continue to be a mother to my first born son and will have no restrictions with accomplishing my goals in life. Now that’s what I call victory!! I thank the Lord, My mother, Claire, and the Spodek team for standing by me and fighting with me. Words can’t describe how grateful I am to have the opportunity to work with this team. I’m very satisfied, very pleased with their performance, their hard work, and their diligence. Thank you team!

Anthony Williams

2024-03-12

Hey, how you guys doing? Good afternoon my name is Anthony Williams I just want to give a great shout out to the team of. Spodek law group. It is such a honor to use them and to use their assistance through this whole case from start to finish. They did everything that they said they was gonna do and if it ever comes down to it, if I ever have to use them again, hands-down they will be the first law office at the top of my list, thank you guys so much. It was a pleasure having you guys by my side so if you guys ever need them, do not hesitate to pick up the phone and give them a call.

Loveth Okpedo

2024-03-12

Very professional, very transparent, over all a great experience

Bee L

2024-02-28

Amazing experience with Spodek! Very professional lawyers who take your case seriously. They treated me with respect, were always available, and answered any and all questions. They were able to help me very successfully and removed a huge stress. Highly recommend.

divesh patel

2024-02-24

I can't recommend Alex Zhik and Spodek Law Firm highly enough for their exceptional legal representation and personal mentorship. From the moment I engaged their services in October 2022, Alex took the time to understand my case thoroughly and provided guidance every step of the way. Alex's dedication to my case went above and beyond my expectations. His expertise, attention to detail, and commitment to achieving the best possible outcome were evident throughout the entire process. He took the time to mentor me, ensuring I understood the legal complexities involved to make informed decisions. Alex is the kind of guy you would want to have a beer with and has made a meaningful impact on me. I also want to acknowledge Todd Spodek, the leader of the firm, who played a crucial role in my case. His leadership and support bolstered the efforts of Alex, and his involvement highlighted the firm's commitment to excellence. Thanks to Alex Zhik and Todd Spodek, I achieved the outcome I desired, and I am incredibly grateful for their professionalism, expertise, and genuine care. If you're in need of legal representation, look no further than this outstanding team.

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Google rating score: 4.9 of 5, based on 736 reviews

How Long Will a DUI Impact My Insurance in Nevada?

A DUI will stay on your driving record for 7 years in Nevada, but most insurance companies only review the last 3-5 years of your history when setting rates. That means you can expect to pay inflated premiums for at least 3 years after a DUI conviction, though some insurers may continue to hold it against you for up to 7 years.The only way to completely avoid the insurance consequences of a DUI is to fight the charges and win. At Spodek Law Group, our battle-tested DUI lawyers know how to pick apart the prosecution’s case and get charges dismissed or reduced. We’ll leave no stones unturned in defending your rights and protecting your future.

Tips for Saving on Car Insurance After a Nevada DUI

If you are convicted of a DUI, there are a few strategies you can employ to help offset the inevitable premium hike:

• Shop around. Don’t just accept the new inflated rates from your current insurer. Get quotes from multiple companies, including those that specialize in high-risk drivers.
• Increase your deductible. Agreeing to pay more out of pocket in the event of a claim can lower your monthly premiums. Just make sure you can afford the higher deductible if you do have an accident.
• Take a defensive driving course. Some insurers offer discounts for completing an approved traffic school or defensive driving class after a DUI.
• Bundle your policies. Insuring your home, motorcycle, or other assets with the same company as your car can often earn you a multi-policy discount.
• Pay your premium in full. Many insurers charge a fee for monthly billing. If you can swing it, pay your 6-month or annual premium all at once to avoid this extra cost.

Of course, the most effective way to keep your insurance affordable after a DUI arrest is to hire a skilled defense attorney and fight the charges. At Spodek Law Group, we have a proven track record of success in getting DUI cases dismissed or reduced to lesser offenses. We know what’s at stake and we’ll work tirelessly to protect your freedom and your financial future.

Don’t Let a DUI Derail Your Life – Call Spodek Law Group Today

A DUI arrest is a devastating event that can impact every aspect of your life, including your car insurance premiums. But you don’t have to face this overwhelming situation alone. The experienced DUI defense attorneys at Spodek Law Group are here to stand by your side and fight for your rights.We understand the fear and uncertainty you’re feeling right now. We know how much is at stake – your freedom, your finances, your future. That’s why we pour our hearts and souls into every case we take on. We’ll leave no stones unturned in building the strongest possible defense on your behalf.When you hire Spodek Law Group, you’re not just getting an attorney – you’re getting a partner and an advocate. We’ll be there for you every step of the way, from the initial consultation to the final resolution of your case. We’ll keep you informed and empowered throughout the process so you can make the best decisions for your unique situation.