You’ve deemed yourself as untrustworthy to all insurers. You will be paying a premium for your untrustworthiness for the remainder of the time you plan on driving. It isn’t “lingering,” you are seeing the repercussions of your actions. Why would a company, especially one that assumes your liability when you get into an accident, decide to lower your rates AFTER you’ve shown that you are the type of person who will get behind the wheel while intoxicated?

Ten years , roughly. Some insurers don’t even look back that far

Maybe it’s just your wording choice and I’m misreading, but it seems like you’re complaining that 2 years is too long to be punished for a DUI.

Be happy you didn’t kill anyone or yourself. Higher insurance premiums is a small price to pay for such a big mistake.

Good points all, thank you

Make sure you don’t pick up another dui because the court program only allows use every ten years and once you have a conviction you will never be able to use it. Count your blessings in that you were program eligible.

The lookback period for traffic tickets and accidents/claims is usually somewhere between 3-7 years depending on the company. Not sure if it is longer for a DUI.

Play stupid games, get stupid prizes.

Yeah I paid out excess premium for 10 years after my dui. And OP hit someone and is complaining after 2 years lol.

It’s only been 2 years!! That’s not long. You said you have to write a victim impact statement so I assume you not only had a dui but you hurt someone. How much did the insurance have to pay to cover that claim and or lawsuits.

Did you purposely misword this to avoid triggering the play stupid games win stupid prizes bot?

Probably at least 3 years

Bro if you have even an ounce of self respect you’ll delete this and pretend you never even considered typing it out. Hopefully Santa gives you a good smack upside the head and an Uber/Lyft gift card. Get over yourself

Probably forever to some extent. People who have received dui's in the past are more likely to do it again, while someone who hasn't received one is less likely to get ever have one.. For the insurance companies it's just math, and you are now permanently in a higher risk group.

It takes 7-10 years for anything to drop off your insurance records. Let this be a lesson to stop driving drunk. The arrest record of the DUI will remain forever, even if you complete the program and get the charges dropped.

It's absolutely insane how we barely punish drunk driving. DUI offenders should be banned from possession and consumption of alcohol for years after a DUI. But instead we just say "don't do that again".

Living in a urban area is enough to get you put in the high risk category for years.

Forever. Stop risking my family’s life.

Had a few family members killed/maimed because of drunk drivers... Enjoy that bag of dicks you get to eat since you're still living!

Exactly! I had a friend killed by a drunk driver. They were young with two small children. Fuck anyone driving drunk, I hope you have to pay higher amounts forever honestly. That’s the lucky way out.

As someone who got hit by a drunk driver, I hope you learned your lesson but I do not feel bad for you at all.

​

Merry Christmas

That too, weird af he made this post on Christmas of all days lol

Don’t change insurance. They won’t re-rate you if you don’t. You can add a car etc. But never cancel your insurance if you get a dui.

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OP should be lucky he isn't in Canada. There a DUI can fetch one up to 10 years in prison.

I hope it goes on for another decade. Honestly, it'd be better if you never drove again.

Damn, Canada is really hardcore about that. I’m guessing the 10 years wouldn’t just be just for getting caught and has to involve some kind of collision?

The absolute audacity or inability to read the room is at unheard of levels. I was so speechless/angry that I typed out and deleted my comment multiple times before settling for something that wouldn’t get me banned

Arrest records also get cleared if you do diversion in CT.

A DUI stays on your driving record for 10 years in CT.

That’s not how insurance works….

They want to take your money as long as they can

Spent several years as a licensed Property Casualty broker. Had a several clients get DUI’s

If it were up to me? The rest of your life if you were convicted of a DUI.

Property Casual is different from car. Companies randomly pull driving records for their existing customers as well as new customers. Also if you change anything about your policy, including adding a car, they will run it.

i don't know OP but this hard cider is for you bud, cheers

You are a moron. Property & Casualty insurance is the license you obtain to write Car insurance policies. I literally wrote hundreds of them.

Honestly? It should be forever. DUI should never happen.

Edit: downvoted by children lol

Forever is not long enough in my opinion. Be thankful you still have a DL and can procure auto insurance.

I’m sorry you had to retype your text multiple times to avoid a ban, truly I am. There is no freedom of speech on these platforms. mods need to relax and corporate America should be more speech friendly. Idk just my opinion

Likely 5 years for insurance rates

There are different levels of "DUI" and it has certainly become more draconian across the world, especially in the US in efforts to keep roadways safe.

The NHTSA wants to set the "Legal Limit" from .08 down to .05 Interestingly - when they reduced the legal limit from .10 to .08 - alcohol related roadway fatalities increased.

99.99%+ of people who drink and drive make it to their destination without hurting anyone, without killing anyone and without causing property destruction.

With that said - we certainly need tough measures in place to keep dangerous drunks off the roads, what we have done to do so has been to tarnish constitutional rights. (4th amendment, 6th amendment)

To put things into perspective - in some states drowsy driving causes more harm/death than drunk driving - do we arrest people for being tired? No.

In other states distracted driving is far more deadly - especially for teenagers - do we arrest kids and lock them up for being on their cellphone while driving? No.

Across the country the leading singular factor in roadway fatalities is speeding. Should we arrest every individual who exceeds the posted speed limit by 1 MPH + ?

Everyone is quick to pass laws and judgement on others, and all seem to always be in favor of stricter laws to prevent tragedies from happening, the future might well be that we will all be under a police state, if we aren't there already?

Don't drink and drive.

It wouldn’t if we installed interlock ignition devices on all cars instead of only people who have already been caught. Too bad everyone would cry about “my freedom”.

I am a big proponent of that as well

Good. You deserve to suffer.

Like everyone who was hurt by people like you suffer. The injuries from car accidents tend to last a lifetime.

If it were up to me, your suffering should be permanent.

Typical human BS. We have perfectly good technology to eliminate DUIs but we won’t use it because people will bitch about their rights or something.

Because this society specifically values alcohol consumption over safety and consequences

You have no idea what you are talking about.

Insurance will go back down in 5-7 years.

I had a minor fender bender in 2017. It stays on for 5 years with geico.

How are you even driving with a DUI on your record in the last two years? Be thankful you’re alive and able to be insured/drive at all…unlike my uncle who was killed by a drunk.

Probably. But I know they are very strict about DUIs. I watched some episodes of the Canadian border security show on Pluto, and I know as a foreigner one can't even get into the country if you have a DUI. In order to gain entry one first has to contact the embassy and prove, some how, that they have been rehabilitated.