Do You Have to Claim a DUI on Your Insurance Application After Three Years?

Three years is the standard period of time insurance companies take a look at your driving record.

When you apply for new insurance, the insurance company will pull both a C.L.U.E. report and a DMV record on you. The timeframe they are looking at is generally three years. In fact, in some states, like Ohio, three years is all the insurance company gets to see.

If you are applying for new car insurance and you are sure that it has been more than three years since your DUI, don’t bother putting it on your application. The insurance company doesn’t need to know about it and you are not legally required to tell them about it. If it has been less than three years, the DUI will show on your driving record anyhow, and they will add it to your policy.

If they do end up finding something on your C.L.U.E. or driving record that you didn’t claim, your premium could be different than what they quoted without it. They could also cancel your policy if your infractions exceed their limit.

The insurance application you are filling out will ask for any DUIs during a certain time period.