I recently got a DWI, before anyone jumps down my throat I know how wrong it is. It is truly the biggest mistake I have ever made and one that will follow me forever probably. That being said I know my insurance will increase for three years following a DWI. If my driving record is clean for those three years will my insurance lower at all or no?
2007-09-19 04:41:04 · 4 answers · asked by Louis C 2 in Cars & Transportation ➔ Insurance & Registration
It's in NJ so it's serious....i'll plea to DWI which usually is 7-10 months suspension and 3 years of Insurance surcharges and DMV charges.
Im not sure if NJ allows for your records to be expunged.
2007-09-19 06:27:16 · update #1
Will it ever be back to usual? I rarely ever get any kinda ticket....This was really just a lapse of judgement that will never happen again.
2007-09-19 07:00:37 · update #2
Your insurance will go down after 3 years (well the renewal AFTER your DWI becomes 39 months old). I believe Progressive now writes auto insurance in NJ & with a DWI the only choices you really have are the assigned risk or Progressive. They tend to have lower surcharges for tickets (especially the more serious ones) than other companies. So, it is worth getting a quote with them. They work with Independent agents (also directly online & on the phone) so look in the phone book & find someone close that represents them. They do have pretty high standards for their agents (I know of an agent that they cancelled - the agent is no longer in business).
Sorry, NJ does not expunge your record. I see that they have increased the suspension - used to be 6 months suspension & $1,000 per year for 3 yrs fines to the State to keep your license once you get it back.
Some insurance companies look back 5 years for serious offenses, but can't surcharge for more than 3.
You don't have to worry about an SR22 in NJ, there is no such thing there.
2007-09-19 15:57:44 · answer #1 · answered by Sue 6 · 0⤊ 0⤋
That is a question best reserved for your insurance agent / company. They have company policies they would know and we don't. They may have "forgiving" policies that forgive one-time offenses and such, or they may not.
Did you plead with the court that if you stay out of trouble for X years please have the record expunged?
2007-09-19 05:57:57 · answer #2 · answered by Kasey C 7 · 0⤊ 0⤋
after 3 yrs the points will come off your record and if you have no other violations in those 3 years your premium will come down quite a bit
2007-09-19 06:54:17 · answer #3 · answered by Queen B 6 · 0⤊ 0⤋
Your insurance should lower if the points are removed from your driver's license...Texas issues points for certain offenses, and stay on your license until they are removed by them.
2007-09-19 05:29:44 · answer #4 · answered by Tammi B 3 · 0⤊ 0⤋