OUI CONVICTION AND THE AFFECTS ON YOUR INSURANCE PREMIUMS IN MAINE
March 8, 2023
In Maine, a conviction for Operating Under the Influence (OUI) can have a significant impact on your car insurance premiums. Insurance companies use a variety of factors to determine your premiums, including your driving history and any criminal convictions, including OUI convictions.
After an OUI conviction, your insurance premiums may increase significantly. This is because insurance companies see drivers with OUI convictions as high-risk, meaning they are more likely to be involved in accidents and file insurance claims. In Maine, insurance companies are legally allowed to use OUI convictions as a factor when setting premiums, so you can expect to see an increase in your rates.
The exact amount that your premiums will increase after an OUI conviction will depend on a variety of factors, including your driving record prior to the conviction, the severity of the OUI offense, and the insurance company you use. In general, however, you can expect to see a significant increase in your premiums, as much as 50% or more in some cases.
It’s important to note that you will be required to carry SR-22 insurance in Maine after an OUI conviction. This type of insurance is designed for high-risk drivers and requires your insurance company to file a certificate of financial responsibility with the Maine Bureau of Motor Vehicles (BMV) on your behalf. The cost of SR-22 insurance is typically higher than standard insurance, which will also contribute to the overall increase in your premiums.
Overall, an OUI conviction in Maine can have a significant impact on your car insurance premiums. It’s important to be aware of this fact and budget accordingly when planning for your insurance expenses.
WHEN DO YOU NEED TO FILE AN SR-22 IN MAINE?
In Maine, you are required to file an SR-22 form with the Maine Bureau of Motor Vehicles (BMV) if you have been convicted of certain driving offenses or have had your driver’s license suspended or revoked. The purpose of an SR-22 form is to provide proof of financial responsibility, which assures the state that you have sufficient liability insurance coverage.
The most common reasons for needing to file an SR-22 in Maine include:
- Conviction for Operating Under the Influence (OUI) – If you have been convicted of OUI, you will be required to file an SR-22 for a period of 3 years.
- Accumulation of Points – If you accumulate too many points on your driving record, your license may be suspended, and you will be required to file an SR-22 to get it reinstated. The number of points required for a suspension varies depending on the driver’s age and the type of license they hold.
- At-Fault Accidents – If you are involved in an at-fault accident and do not have sufficient insurance coverage, you may be required to file an SR-22 to demonstrate that you have obtained the necessary coverage.
- Driving Without Insurance – If you are caught driving without insurance, your license may be suspended, and you will be required to file an SR-22 to get it reinstated.
It’s important to note that filing an SR-22 can be costly, and insurance premiums are likely to be higher than those for drivers who have not been required to file an SR-22. Additionally, failure to maintain the required insurance coverage can result in additional fines, license suspension, and other penalties. Therefore, it’s essential to meet all requirements related to filing an SR-22 and maintain the necessary insurance coverage throughout the required period.
HOW MUCH MORE EXPENSIVE IS DUI INSURANCE IN MAINE?
The cost of car insurance after a DUI conviction in Maine can be significantly higher than for drivers with a clean driving record. In fact, in some cases, the cost of DUI insurance can be double or even triple the cost of standard car insurance.
The exact cost of DUI insurance in Maine will depend on a variety of factors, including the severity of the offense, your driving record prior to the DUI, your age, the type of vehicle you drive, and the insurance company you use. In general, however, you can expect to see a significant increase in your premiums after a DUI conviction.
According to some estimates, the average cost of car insurance in Maine is around $800 per year. However, after a DUI conviction, your premiums could increase by as much as 50% to 100% or more. This means that your annual insurance premiums could be anywhere from $1,200 to $2,400 or more.
It’s important to note that in addition to higher premiums, you may also be required to carry SR-22 insurance, which is a type of high-risk insurance designed for drivers with DUI convictions. The cost of SR-22 insurance is typically higher than standard insurance, which will also contribute to the overall increase in your premiums.
It’s important to shop around for car insurance after a DUI conviction in Maine, as different insurance companies may offer different rates and discounts. Additionally, taking steps to improve your driving record and attending alcohol education or treatment programs may help to reduce your insurance premiums over time.
HOW LONG DOES AN OUI AFFECT INSURANCE IN MAINE?
In Maine, an OUI conviction can have a significant and long-lasting impact on your car insurance premiums. Insurance companies are legally allowed to use OUI convictions as a factor when setting premiums, which means that you can expect to see an increase in your rates after a conviction.
The amount of time that an OUI conviction will affect your insurance premiums in Maine can vary depending on a variety of factors, including the severity of the offense, your driving record prior to the conviction, and the insurance company you use. In general, however, you can expect the impact to last for several years.
In Maine, OUI convictions typically remain on your driving record for at least 10 years. During this time, insurance companies may consider you to be a high-risk driver and charge you higher premiums as a result. In some cases, insurance companies may continue to charge higher premiums even after the 10-year period has ended, particularly if you have a history of multiple OUI convictions or other driving offenses.
It’s important to note that there are steps you can take to reduce the impact of an OUI conviction on your insurance premiums over time. These may include attending alcohol education or treatment programs, maintaining a clean driving record, and shopping around for insurance quotes from different providers. Additionally, as time passes and you demonstrate safe driving behavior, insurance companies may gradually reduce your premiums over time.
ARE DRUNK DRIVING CONSEQUENCES TOUGH ENOUGH IN MAINE?
Maine, like all U.S. states, has laws in place to deter drunk driving and impose consequences on those who are convicted of operating under the influence (OUI). While it is difficult to make a definitive statement on whether these consequences are “tough enough,” the state has taken steps to impose significant penalties on those who are caught driving under the influence.
In Maine, the penalties for a first-time OUI conviction can include fines of up to $2,000, a license suspension of up to 150 days, and mandatory participation in an alcohol education or treatment program. Additionally, drivers may be required to install an ignition interlock device in their vehicle, which prevents the car from starting if the driver has been drinking.
For subsequent OUI convictions, the penalties become even more severe, with higher fines, longer license suspensions, and the possibility of jail time. Drivers may also be required to attend a court-ordered treatment program or perform community service.
While these consequences may seem significant, some advocates argue that they do not go far enough to deter drunk driving and protect public safety. Some have called for increased penalties for repeat offenders, stricter ignition interlock requirements, and more aggressive enforcement of OUI laws.
It’s worth noting that the consequences of a drunk driving conviction extend beyond the legal penalties imposed by the state. Drivers may also face significant financial consequences, including higher insurance premiums, lost wages due to time off work, and the cost of legal fees and fines. Additionally, a drunk driving conviction can have a lasting impact on a person’s reputation and future job prospects.