An OWI conviction in Wisconsin can affect far more than your driving privileges and criminal record. Many drivers are shocked to discover how dramatically an operating while intoxicated offense can increase their auto insurance costs. In some cases, insurance consequences may continue for years after a criminal case itself is resolved.
Insurance companies view OWI offenses as major risk factors. Even a first offense may cause insurers to classify a driver as high-risk. Once that happens, premiums often rise substantially. Some drivers may see their monthly costs double or even triple depending on their driving history, age and prior insurance claims.
The details of an OWI conviction matter
Wisconsin law does not treat every OWI case the same. Factors such as a driver’s blood alcohol concentration, prior offenses, whether a crash occurred and whether anyone was injured may all influence the long-term financial consequences imposed in the wake of a particular defendant’s conviction. Drivers convicted of multiple OWI offenses typically face even steeper insurance increases because insurers consider repeat offenses a sign of ongoing risk.
Some insurance companies may choose not to renew a policy after an OWI conviction. When that happens, drivers are often forced to seek coverage through insurers specializing in high-risk drivers. These policies frequently come with much higher premiums and fewer coverage options.
An OWI conviction may also trigger SR-22 requirements in certain situations. An SR-22 is not actually insurance itself. Instead, it is a certificate filed by an insurance company confirming that a driver maintains the minimum required coverage. Drivers required to carry an SR-22 often pay additional filing fees and higher insurance premiums during a required reporting period.
Many people underestimate how long these financial consequences may last. Insurance companies typically review driving records for several years when calculating premiums. Even after court fines are paid and license restrictions end, drivers may continue paying elevated insurance rates for an extended period.
Because an OWI conviction may result in significant criminal and financial consequences, including insurance coverage issues, seeking experienced legal representation can be extremely important.
