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

The requirement for an insured convicted of a DUI or DWI to pay 100% of their premium in advance stems from the increased risk associated with such convictions. Insurance companies categorize drivers with DUIs or DWIs as high risk, which can lead to policy changes or stricter payment conditions. This advance payment ensures that the insurer receives the full premium upfront, mitigating the risk linked to the policyholder's driving behavior.

Paying in full upfront allows the insurer to manage the potential higher costs associated with claims that could arise due to the driver’s past behavior. This policy can also indicate the driver's commitment to maintaining insurance coverage while under observation as a higher-risk driver. Other options like installment payments or reduced premiums are not standard practices following a DUI conviction, as insurers are typically focused on the increased risk and the need for financial assurance. A waiver for the premium is not typically a viable option in this case, as the insurer needs to ensure that the premium payment is secured before providing coverage.