The Danger of DUIs: How Alcohol Related Driving Offenses Can Severely Impact Your Car Insurance

Being convicted of a DUI or other alcohol related offense can not only bring criminals issues, but it can also cause significant problems with your car insurance. At Kevin Dennis Insurance Agency in Mishawaka, IN, they know how these offenses can cause higher rates and even problems with obtaining coverage. If you are convicted of an alcohol-related offense:

Your Insurance Company Will Consider You a High-Risk Driver

If you are found guilty in a drunk driving related accident, your are regarded as a high-risk driver for five to ten years. If you have your license suspended due to your conviction, you will be required to produce an SR-22 form proving that you have been insured as a high-risk driver to obtain reinstatement. Once labeled a risk, your insurance may be impacted in multiple ways including:

  • Higher Premiums –  Your premiums are primarily determined by your driving risk which is assessed by your previous driving record.  A drunk driving charge will result in a significant increase in premiums as the company will feel you are more likely to be involved in an at-fault accident.
  • Fewer Choices – High-risk drivers may find they have fewer options when it comes to choosing an insurance company. Depending on the rest of your driving record, companies may refuse to insure you.

Your Insurance Could Drop You

While paying higher premiums can make owning a car cost prohibitive it is better than the alternative. If you are convicted of drunk driving, your insurance company may choose to no longer insure you. The state of Indiana requires minimum liability coverages to allow you to retain a license in the state, so being dropped from your insurance company can result in being unable to drive legally in the state. Once you have been dropped by insurance, it may make finding a new one difficult as well.

If you have been charged with an alcohol-related offense or want more information on what it means to be a high-risk driver, contact the knowledgeable agents at Kevin Dennis Insurance Agency in Mishawaka, IN today.

Mishakawa, IN insurance options

Mishawaka, IN is located just outside of South Bend, which is best known for Notre Dame University. This suburb of the infamous college town is known as a quiet place for people to live and work but those who are residents here should look into having a number of insurance policies to protect them against the unexpected. Below are some options for why you need insurance in a place like Mishawaka, IN, preferably through a provider like the Kevin Dennis Insurance Agency, who serves the greater Mishawaka area.


Auto insurance is one of the most important forms of insurance that you can opt for in Mishawaka, IN. Everyone who owns a car knows the true freedom of traveling around the Indiana area. The base insurance policies will protect you against having to pay for damages that an accident you are at fault for causes to someone else’s car or in the case of personal injury. However, your insurance agent can advise other larger forms of coverage that will protect you against having to pay for property, your own vehicle’s damage, and any lawsuits that may arise out of the collision. If you have a car, you’ll need this type of insurance.


If you have a house in Mishawaka, you will need insurance to protect where you live as well. This will cover everything from the serious storms that blow off Lake Michigan, to a fire that burns the house down, or even the exploding pipes in the dead of winter that flood the basement. Without this type of insurance, your perfect home in this sleepy suburb could become a perfect financial nightmare and quite literally leave you homeless. Talk to an insurance agent with Kevin Dennis Insurance Agency today to make sure you are properly covered.