Personal Injury Lawyer in Roswell, GA | Sean P. Collins Law


Sean P. Collins PC
Attorney at law

Tips for Dealing with Insurance Companies if you get a DUI

Know the Law About Georgia DUIs

Driving under the influence (DUI) is a serious offense in the state of Georgia. The legal limit for blood alcohol concentration (BAC) is 0.08% for drivers over 21 years old. For drivers under 21, any amount of alcohol in their system can result in a DUI charge. Penalties for a DUI conviction can include fines, license suspension, and even jail time.

In addition to alcohol, Georgia law also prohibits driving under the influence of drugs, including prescription medications. If a police officer suspects a driver is under the influence, they may administer a field sobriety test or request a blood or urine sample. Refusing a sobriety test can result in an automatic license suspension.

It is important to remember that a DUI conviction can have long-lasting consequences, including increased insurance rates and difficulty finding employment. If you plan on drinking, it is always best to have a designated driver or use a ride-sharing service. Don’t risk your safety or the safety of others on the road.

Getting Pulled Over for DUI in Georgia

Getting pulled over for DUI in Georgia can have serious consequences. You will be asked to provide a breath sample and perform field sobriety test on the side on the road. If you refuse the officer must read you the implied consent law and if you still refuse, the officer will need to obtain a warrant to obtain a blood sample which would usually occur at the jail, police station, or hospital.

Once there, you will be booked and processed, which can take several hours. During this time, you will be fingerprinted, photographed, and asked to provide a breath or blood sample to determine your blood alcohol content (BAC).

If your BAC is above the legal limit of 0.08%, you will face additional charges and penalties. These can include fines, community service, probation, and even jail time. You may also be required to attend a DUI school and have an ignition interlock device installed in your vehicle.

In addition to these legal consequences, getting pulled over for DUI can have a significant impact on your personal and professional life. You may lose your job, your driver’s license, and even your reputation in the community. It is important to remember that driving under the influence is a serious offense and should never be taken lightly.

How Does a DUI in Georgia Impact Your Insurance?

Getting a DUI in Georgia can significantly impact your car insurance rates. In most cases, your insurance rates will go up after a DUI conviction. This is because insurance companies view drivers with DUIs as high-risk and are more likely to file a claim. 

In Georgia, a DUI conviction can also result in the suspension of your driver’s license. This can make it challenging to find affordable car insurance once your license is reinstated. Additionally, some insurance companies may refuse to insure drivers with a DUI conviction. 

It’s important to note that the impact of a DUI on your insurance rates can vary depending on the insurance company and your driving history. It’s always a good idea to shop around for car insurance quotes after a DUI conviction to find the best rates available to you.

How Can I Deal with Insurance Companies?

Dealing with insurance companies after getting a DUI can be a daunting task. The first step is to contact your insurance provider and inform them of the situation. Be honest and provide all necessary information. 

Next, be prepared for your insurance rates to increase. Insurance companies view DUIs as a high-risk behavior and will adjust your rates accordingly. It’s important to shop around and compare rates from different providers to ensure you’re getting the best deal. 

Finally, consider enrolling in a defensive driving course. Many insurance companies offer discounts for completing such courses, which can help offset the increased rates. Remember, honesty and responsibility are key when dealing with insurance companies after a DUI.

Why You Should Get a DUI Attorney

If you are facing a DUI charge, it is essential to consider hiring a DUI attorney. A DUI attorney can help you navigate the legal system, understand your rights, and potentially reduce your charges or sentence.

An experienced DUI attorney can provide you with the necessary knowledge and expertise to defend your case. They can examine the evidence against you, challenge the legality of the arrest, and negotiate with the prosecutor for a plea bargain or reduced sentence.

Furthermore, a DUI conviction can have long-lasting consequences, such as a criminal record, license suspension, and increased insurance rates. A DUI attorney can help you minimize these consequences and protect your future.

In conclusion, if you are facing a DUI charge, it is highly recommended to seek the assistance of a qualified DUI attorney. They can provide you with the necessary legal guidance and support to achieve the best possible outcome for your case.