What Is a Felony DUI and How Does It Differ from a Misdemeanor DUI
In West Virginia, a Felony DUI is typically charged when a person has been caught driving under the influence of alcohol or drugs under aggravating circumstances. This may include having prior DUI convictions, causing an accident that leads to serious injury or death, or having a blood alcohol content (BAC) that is significantly higher than the legal limit. While a misdemeanor DUI is considered a less severe offense, a Felony DUI carries much more serious legal and financial consequences. Not only could you face potential jail time and heavy fines, but your insurance rates will likely skyrocket as a result of the conviction. A Felony DUI conviction can also affect your ability to get car insurance in the first place. Many insurance companies may choose not to offer you coverage at all, or they may only provide you with high-risk coverage, which comes with significantly higher premiums.Understanding How Insurance Companies View DUI Convictions
Insurance companies assess risk when determining your premium. A Felony DUI conviction signals to the insurance company that you are a high-risk driver, meaning they are more likely to experience a loss from insuring you. Because of this, insurance companies will raise your rates to reflect the higher risk they are taking on by insuring you. In West Virginia, this increase can be substantial, especially if the DUI led to a serious accident or if you have multiple prior DUI offenses.
Harley Wagner
Defending West Virginia Residents for over 24 Years
The Long-Term Impact of a Felony DUI on Insurance Rates
A Felony DUI conviction can impact your insurance rates for several years. In West Virginia, most DUI convictions stay on your driving record for at least 10 years. Even after this period, insurance companies may continue to view you as a high-risk driver. Your insurance company may consider the conviction when reviewing your policy each year, and they could choose to increase your rates again or refuse to renew your policy altogether. It is important to understand that not all insurance companies treat Felony DUIs the same way. Some may be more forgiving and offer better rates over time, while others may continue to impose high premiums for the full duration of your conviction. In some cases, you may need to seek coverage from high-risk insurance companies, which can be much more expensive than standard providers.
Harley and Heather gave me peace of mind as they walked me through the process of my DUI. Heather was so quick to answer even the smallest and probably irrelevant questions I had. I was extremely nervous to walk in the courtroom, but Harley made sure I was in and out of there in no time with the best deal I could think of. My DUI charge was reduced to a speeding ticket and some online DUI classes. Would absolutely recommend Harley and Heather if you’re ever in need of a lawyer.”
- Antea Jarazi
The Wagner Law Firm was amazing from beginning to end dealing with my case. This was my first time ever dealing with anything like this and they helped me tremendously and answered all my questions super fast. We got the best outcome possible for my case and I will be recommending Harley and Heather to anyone that’s ever in my situation."
- Savanna Cummings
Harley and Heather do not stop and are excellent at always keeping their clients up to date on the status of their case and never left wondering. They do all the work and are very well connected throughout the state. I will forever be grateful to both Harley and Heather for what they did for me,,,, they aren’t just another law firm, they are great people who truly care. Thank you."
- Clint Anderson
How to Minimize the Financial Impact of a Felony DUI on Your Insurance Rates
Although a Felony DUI conviction will have a significant impact on your insurance rates, there are steps you can take to minimize the financial burden. One of the most important things you can do is to work towards getting your conviction reduced or dismissed, if possible. Having a knowledgeable and experienced attorney by your side is crucial in this process. An attorney can review the specifics of your case and determine whether there are any possible defenses that could lead to a reduction in charges. A reduction from a Felony DUI to a misdemeanor or even a dismissal of charges could make a significant difference in the long-term impact on your insurance rates. In addition to legal strategies, it is important to demonstrate to your insurance provider that you are a responsible driver. Many insurance companies offer discounts for drivers who take steps to improve their driving habits. For example, completing a DUI education program or taking a defensive driving course can help reduce your premiums. Some companies may also offer discounts for drivers who have not had any accidents or traffic violations since their DUI conviction. By showing that you are taking steps to improve your behavior behind the wheel, you may be able to negotiate lower rates over time.Working with the Right Attorney for Your Felony DUI Case
Facing a Felony DUI charge is a serious matter, but you do not have to face it alone. The right attorney can make all the difference in the outcome of your case and in how you manage the financial consequences of a conviction. At The Wagner Law Firm, we understand the emotional and financial toll that a Felony DUI can take on you and your family. Our team is dedicated to fighting for the best possible outcome in your case and helping you reduce the long-term impact on your insurance rates.Related Videos
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