No, you aren’t legally required to report a DUI to your insurance company, but it is likely they will eventually find out. Most companies employ data mining firms who ferret out the information sooner or later. Your insurance policy may also include language requiring you to report a DUI — so staying silent may violate your specific policy, even if it’s not technically illegal, and they can use that violation to drop you going forward.
A DUI will cause your insurer to raise your rates or cancel your policy altogether — but that’s far from the worst consequence of a DUI conviction. A criminal record can make it harder to secure employment, rent an apartment, or maintain custody of your children. Hire a lawyer who will fight to avoid a conviction altogether — so you can truly leave this mistake in the past, where it belongs.
