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UPDATED: Mar 13, 2020
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If people decide to drink and drive, they are risking a lot if they are arrested and then convicted of breaking Indiana DUI laws. They may be put in jail. Their employers may not be understanding and wait for them to finish this sentence, so their jobs will be in jeopardy. Their finances also will be affected greatly, because they will have to pay a lot of money in fines, car insurance, and court costs. We can help you with the car insurance part! Our comparison tool will compare car insurance companies and find the best rates for your need!
Indiana has some of the toughest DUI laws in the country. Drivers will be arrested for breaking Indiana DUI laws if a law enforcement officer sees that they are having difficulties managing their vehicles. If after being stopped the breathalyzer shows that these drivers have a blood alcohol level (BAC) equal to .08 or higher, they will be taken into custody.
If young drivers are suspected of driving under the influence under the age of 21, these drivers will be arrested with a BAC of .02 or higher. People who are driving their companies’ vehicles with a BAC of .04 or higher and driving under the influence on the job; for this reason, they can be arrested for DUI with a lower BAC than others.
Penalties for Breaking Indiana DUI Laws
The first arrest for breaking Indiana DUI laws gives the lawbreakers a Class C Misdemeanor. Misdemeanors are not as serious as felonies, so they will mostly be handled with a fine and might not affect your state car insurance to much. In this case, the fine will be $500 at the most. If the driver’s BAC has been determined to be higher than .15, the mandatory fine rises to $1,500 maximum.
The first arrest also requires a jail sentence. Those convicted of breaking Indiana DUI laws will receive jail time from one month minimum to two months maximum. For a BAC of .15 or higher, time spend in jail increases to one year maximum. Their licenses will also be suspended for two years, they will be on probation for, at the most, two years and they will have to reimburse the court for its costs at a minimum of $300.
High Risk DUI Insurance
After being arrested or convicted of breaking Indiana DUI laws, drivers need a new insurance policy. They may not be able to receive it from their current insurance companies, because they will either cancel or refuse to renew these policies after a DUI arrest has been added to their clients’ records. If the insurance companies choose to keep them, the policyholders will have to pay much more for their premiums and won’t be able to find the affordable car insurance!
In order to find the most affordable DUI insurance, drivers only need to seek the help of a comparison website. On the website, drivers will give their information and it will be sent to those insurance companies that specialize in DUI insurance. By soliciting several car insurance quotes from many different insurance companies, drivers are likely to find a price that they can live with until they can clean up their driving records.
Driving Without Auto Insurance
It’s important for people arrested for breaking Indiana DUI laws to take advantage of the comparison website, because driving without Indiana insurance is not a good option. People consider doing this because the cheap auto insurance they are quoted are so incredibly high after a DUI, but being stopped for driving without the state’s minimum requirements for liability insurance causes them to be in even more trouble. Anyone driving without auto insurance in Indiana will have their licenses suspended for three months.
The courts also will not look kindly on anyone arrested for breaking Indiana DUI laws who also can’t prove that they have liability insurance. But it’s unnecessary for this to happen if people do a comparison search in order to find low cost car insurance.
Causing an Accident Without Liability Auto Insurance
People who have broken Indiana DUI laws take a big chance when they drive without auto insurance that they will find themselves in court again. If these drivers are found to be at-fault in an auto accident in Indiana, they will be held responsible for any bodily injury and property damage that results. Without insurance, these drivers will have to pay out of pocket. These drivers should be looking for ways to get cheap car insurance!
In the event that these drivers don’t have sufficient funds to cover these expenses, all people hurt in the accident can sue them for medical expenses as well as for the repairs on their property. On top of all the trouble they will be in for breaking Indiana DUI laws, they will also have lawsuits in the civil courts.
Some of the Indiana minimum insurance requirements are the following:
- Bodily injury liability for one person equal to $25,000,
- Bodily injury liability for the entire accident equal to $50,000 and
- Property damage liability in the amount of $10,000 for the car collision.
Drivers who have broken Indiana DUI laws might tend to believe that liability insurance is enough insurance. They would like to avoid the troubles described above by purchasing the mandatory minimums of Indiana, and they believe they are keeping their expenses down by only purchasing the minimums and not buying any insurance for their own vehicles.
Liability insurance doesn’t cover the policyholders’ vehicles; it only pays for the people injured and their property damages if the policyholders hit them. There won’t be anything applied toward the policyholders’ vehicles. These drivers will need to have optional insurance that will pay for their own medical expenses and the damage done to their vehicles if they cause an accident, because no one else will be responsible for it other than themselves.
Comparison shopping will help drivers guilty of breaking Indiana DUI laws purchase the minimum requirements for a reasonable price. The most conscientious will go even further and purchase optional insurance for their own expenses. By comparing cheap auto insurance quotes, they will be able to purchase as much insurance as they need without having to pay the highest prices. Enter your ZIP code and begin finding car insurance discounts and saving!