When does my insurance company become aware of my dwi?
after I'm arrested? after my license is suspended? or after i'm found guilty?
2006-10-02 03:26:30 · 12 answers · asked by hector 2 in Business & Finance ➔ Insurance
i checked my policy it's from april 17 to oct 17.
now my dwi was on sept 24, and my license should not be suspended until the beguining of nov. so, will the insurence co. know before my new policy is written.
2006-10-03 09:10:03 · update #1
If they are going to find out, it will be when they renew your policy. that is when they will run your driving record. In most states its going to show up the moment you licenses is suspended / revolked.
2006-10-02 03:31:44 · answer #1 · answered by Thoughts Like Mine 3 · 1⤊ 1⤋
Almost all insurers buy their driving record data from ChoicePoint (an Atlanta company), which has contracts with each state's driver's license registration authority.
This data is uploaded from each state on a daily basis (in most cases).
So, whenever the conviction is reported to your state's DL authority, it will get picked up by ChoicePointe, usually within 24 hours. Choice Point is only given access to data that shows convictions, so it won't hit your record until AFTER you are convicted.
Then, depending on the contract your insurer has with ChoicePointe, your insurer will get a list of all changes to the database of its clients. Very large insurers will likely get the data electronically within 24 hours. However, smaller insurers either may have a slower reporting period (because they don't want to have to pay as much to ChoicePoint if they have a smaller insured base) or may not do this electronically.
So, in all liklihood, your insurer will get notice within 48 hours of the time the conviction is recorded on your record.
My advice to you would be that if you have a DWI and you know it hasn't been convicted out yet....that you switch to as small an insurer as possible....try to find one that is so small it does stuff via paper records.
That may help delay the impending insurance problems for a few weeks if not longer....
The disadvantage is that a larger insurer is able to absorb more people like you without as large a premium increase. A smaller insurer will probably take steps to increase your premium right away.
2006-10-02 04:33:08 · answer #2 · answered by markmywordz 5 · 0⤊ 0⤋
About 90 days before your policy renews. You'll have a "ding" when you're convicted on your driving record, and another "ding" when your license is suspended. A few months before your policy renews, the insurance company automatically checks the driving records - and those dings will come back. At that time, they can issue a cancellation notice on your policy for the license suspension.
2006-10-02 05:47:15 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
If you had a DWI with an accident, they will find out pretty quickly. If it was not with an accident, they will find out the next time they run an MVR. However, if you need to file and SR 22 - proof of financial responsibility- they will find out when you need it. Your company may or may not file these. If they don't, you will need to find a company that does. In TN, you have to carry an SR 22 without interruption for 3 years. After you no longer need the SR 22, some companies still may not write your insurance for a certain period of time - some of my companies won't take you for 5 years.
2006-10-02 05:01:25 · answer #4 · answered by mei-lin 5 · 0⤊ 0⤋
most insurance companies run MVR's at every policy renewal
that's why they write a 6 month policy instead of an annual policy
anyway, they will check your driving record at renewal time and will find the DWI, and if your license is suspended then you won't need insurance, right?
2006-10-02 16:33:45 · answer #5 · answered by Anonymous · 0⤊ 0⤋
help your self - you could verify your costs in internet case in factor right here - CHEAPTOINSURE.information RE automobile insurance and roommate with DWI? i discussed to a chum of a chum that he might want to stay with me for some months to get again on his ft. he will be getting unemployment checks and he's elementary distinctly sparkling. in spite of the indisputable fact that, he presently pronounced that he has no automobile insurance, because his rates are too extreme, when you consider that he has had six previous DWI offenses. someone instructed me that my automobile insurance proper classification might want to bypass up by skill of him only living in with me. Is that authentic? He presently lives in Wisconsin, which does no longer require insurance. in spite of the indisputable fact that the state I moved to does.
2016-11-25 22:27:02 · answer #6 · answered by ? 4 · 0⤊ 0⤋
they may never find out, they will have to run your license to find out. Did you get in an accident at the time of the dwi? if so they will find out most likely.
2006-10-05 00:56:39 · answer #7 · answered by jeanjean 5 · 0⤊ 0⤋
if there is a claim they find out right away no claim....25% chance a renewal....most companies only chech about 25% of all policies renewing because of the great cost betwee 10 to $20.00 per motor vehicle registration
2006-10-02 10:39:56 · answer #8 · answered by Anonymous · 0⤊ 0⤋
The Dmv reports your violation to your insurance provider, because you have points deducted from your driving record. Now, for 2 years, you must carry a SR22, your insurance is going to go up, count on it.
2006-10-02 03:30:45 · answer #9 · answered by Anonymous · 2⤊ 0⤋
Depends on your insurance company and how they do their research. Sometimes they never find out. Most of the time they do.
2006-10-02 03:27:42 · answer #10 · answered by Anonymous · 0⤊ 0⤋