If convicted of a DUI or DWI, what must the insured do regarding their premium payment?

When an individual is convicted of a DUI or DWI, it often results in a significant increase in risk as perceived by insurance companies. Consequently, insurers may require the insured to pay their entire premium in advance. This approach minimizes the insurer's risk exposure by ensuring that the full amount is received before coverage begins, especially considering that the insured poses a higher risk due to their recent conviction.

Paying the premium in full also reflects the insurance company's policy to mitigate potential losses that could arise from insuring someone with a history of alcohol-related offenses. This approach is common in the insurance industry as it helps maintain financial stability and ensures that the insurer is compensated for taking on the added risk. Thus, having to pay 100% of the premium in advance is a standard procedure following such convictions.