Convicted Car Insurance Explained

Convicted car insurance is a type of car insurance policy designed for individuals who have been convicted of driving offenses, such as DUI/DWI, reckless driving, or speeding. These convictions can lead to higher insurance premiums or even the cancellation of existing insurance policies.

Convicted car insurance provides coverage for a range of risks associated with operating a car, including:

1. Road risks: This covers the car while being driven on public roads. It may include coverage for accidental damage, theft, or fire.

2. Liability coverage: This covers the policyholder in case of accidental injury or damage to third-party property while driving the car.

3. Personal accident coverage: This covers the driver and other passengers in case of accidental injury or death.

The cost of convicted car insurance can be higher than for drivers without convictions due to the higher risk of accidents. Insurance companies may also impose additional restrictions or requirements for convicted car insurance, such as higher deductibles or the installation of an ignition interlock device.

It is important for individuals with driving convictions to disclose these convictions to their insurance company and carefully consider their insurance options. Shopping around for the best policy at an affordable price is also important. Additionally, taking steps to improve driving behavior, such as attending driving courses or avoiding future convictions, may help lower insurance costs over time.