DUI Car Insurance in Illinois After Drunk Driving Conviction

Reader’s Question:

My cousin told me that he has a big problem about his car insurance rates because of his DUI conviction in Skokie, Illinois. Is it true that it will be largely affected because of his drunk driving conviction?

Malcolm

Skokie, IL

Your cousin’s drunk driving conviction in Skokie, Illinois could bring many negative consequences into his life. Aside from the legal consequences such as possible jail time, fines and a criminal record, he would also have higher insurance premiums. If he is currently insured, his car insurance provider would, of course, respond to this circumstance. What his car insurance company can exactly legally do would vary but his car insurance company may cancel or decline to renew his policy, restrict coverage provisions or, at a minimum, increase his premiums.

Although the amount of increase could greatly vary, his premiums could go up as much as 100 percent or more. How his car insurance provider reacts to his DUI could be worse if he has other strikes against him, such as traffic tickets, previous drunk driving convictions, late or unpaid insurance premiums, at-fault accidents or other negative history with the insurance company. He can obviously get free online rate quotes from various car insurance companies such as the ones available from this website.

Possible Illinois DUI Defenses?

Reader’s Question:

My cousin is thinking about getting a DUI lawyer to help him on his DUI charge in Illinois. What are the possible defenses that he can use on his DUI case?

Floyd

Skokie, IL

There are a lot of challenges and defenses that your cousin could use on his DUI case in Illinois. So let’s start with the challenges to the DUI stop. First of all, he can use as a defense that the officer didn’t have a valid reason to pull your cousin over or no police officer actually saw your cousin driving. Another defense is with regard to the challenges on probable cause to arrest your cousin if the officer didn’t have enough reason to arrest and if the officer didn’t use proper technique and graded him unfairly.

Next are the motions to suppress evidence like if the Miranda Fifth Amendment rights were violated and if your cousin was not warned of his implied consent rights. Evidence can also be suppressed if the police officer searched the vehicle illegally and coerced your cousin into performing field sobriety tests. The police officer could have manufactured the evidence and a good DUI lawyer can definitely find out about it.