How Does an OWI Conviction Affect Insurance in Wisconsin?
The impact of an OWI conviction in Wisconsin on your insurance could be significant!
When you are convicted on OWI charges, you have more than just a criminal record to worry about. You face fines, potential jail time, and potentially suspension or loss of your driver’s license. In addition, you can expect your insurance rates to change. The difference makes it worth trying to fight charges when possible.
Your Costs Will Go Up
Insurance rates and tiers differ among providers. For any insurer, though, you can expect your rates to increase–if the insurance company doesn’t drop you altogether. Safe driver discounts do not apply, and you will fall into a higher risk category for insurance. It is not unusual for your costs to go up considerably.
Filing an SR22 in Wisconsin
The cost can be prohibitive for you, but driving without insurance is not an option. If you are convicted of an OWI, you must request an SR22 form from your insurer. This form has to be on file with the DMV before you can reinstate a suspended license. You have to pay a fee to file the form, and keep an active SR22 on file for at least five years after your conviction. Any failure to pay for your insurance will get the form canceled, and your driver’s license will be suspended.
Options for Fighting Charges
If you want to avoid paying higher insurance costs, you have two options. The first is simply not to drive. You can walk, bicycle, or rely on public transportation to get where you need to get. If you want the flexibility that comes with legally driving a vehicle, your only other option is a strong legal defense against the charges. An experienced OWI defense attorney may be able to help you reduce the charges or even avoid conviction altogether.
If you have been arrested for OWI, the consequences of conviction are severe. Do not take matters into your own hands; contact the attorneys at Eisenberg Law Offices, online or at (608)256-8356. We will provide you the defense you deserve.