If you’re facing criminal charges for DWI in Houston, the long term implications can extend beyond your stints at the courthouse.
An often underestimated repercussion of a DWI conviction is the significant spike in auto insurance rates. Let’s review how and why this occurs.
In Texas, a DWI conviction is serious business.
Texas Penal Code Section 49.04 defines a DWI offense as when a person is found operating a motor vehicle in a public place while intoxicated. If you’re ever on the wrong side of this statute, securing legal representation is ideal.
The Domino Effect of a DWI Conviction
When you’re convicted of a DWI in Texas, you aren’t just facing legal penalties; there are civil implications. Aside from the suspension of your Texas Driver License, fines, and enhanced renewal fees, increased auto insurance rates are also among the negative implications of a conviction for Driving While Intoxicated.
These higher rates don’t just spike for a month or two. They can haunt your finances for years.
We’re talking potentially thousands of extra dollars annually. It’s not a slap on the wrist; it’s a financial reckoning that many aren’t prepared for. Imagine funneling that money into a retirement account or a child’s college fund instead.
The Insurance Equation: Risk, Policy, and Cost
To insurance companies, a DWI conviction flags you as a high-risk driver.
Insurers operate under a model where they assess the risk level of a policyholder and adjust their premium rates accordingly. According to the Texas Department of Insurance, a DWI conviction is a significant red flag which always leads to higher premiums. In some cases, your insurer may even cancel your policy.
The SR-22
In Texas, after a DWI conviction, you’re often required to obtain an SR-22 from your insurance company. This is not an insurance policy in itself, but a form that proves to the Texas Department of Public Safety that you have liability coverage.
Your insurer will know about your DWI conviction due to this SR-22 requirement, and let’s be candid, they won’t be thrilled to send that form.
We Navigate the Legal System with Ease
Given the complexities of fighting a drunk driving charge, it’s imperative to have an experienced DWI attorney on your case. Tad Nelson, a Board Certified Criminal Law Attorney as certified by the Texas Board of Legal Specialization, is more than equipped to help you fight the charge.
Experienced Houston DWI Lawyers
Attorneys Tad Nelson & Amber Spurlock
When you’re represented by Attorneys Tad Nelson & Amber Spurlock, you’re not just hiring a lawyer; you’re hiring a true fighter.
With Tad’s history as a former Assistant Galveston County District Attorney (1991-1995) and a defense lawyer since 1991, coupled with Amber’s acumen, you’re getting a combined powerhouse of fierce legal representation powered by educated lawyers.
We don’t see our clients as case numbers. From the moment you visit our law firm, you’ll be treated like family. We provide 100% confidential and free initial consultations.
With flexible payment options and affordable legal fees, quality legal representation is accessible to you.
Your Five-Star Criminal Defense Team
Don’t just take our word for it—consider the multitude of five-star reviews from our clients on Google. These commendations are not mere words; they are testaments to the relentless dedication we’ve demonstrated to our clients. With no complaints or disciplinary records with the State Bar of Texas, you can assured you’re working with professionals than have integrity.
A DWI Charge Doesn’t Have to Wreck Your Future
We’ll Help You Fight Back
If you have questions or need to meet with a lawyer, give us a call at 281-502-2122. We take phone calls 24/7. Schedule your appointment today.
