Reader’s Question:

My husband was recently convicted of a DUI in Los Angeles, California for the first time. He has had a perfect driving record for 53 years. He wants to know if he should write his insurance company in LA with an explanation of the circumstances before they learn of the conviction. Thanks.

May

Los Angeles , CA

It must be a very bad time for you and your husband knowing that he has had a perfect driving record for 53 years. My suggestion is that he may want to explain his California DUI conviction only if his insurance company finds out about it. In general, insurance companies check motor vehicle records on their policyholders about every three years. His DUI conviction might go unnoticed.

On the other hand, if his Los Angeles insurance company notices his DUI, there’s no guarantee that it would raise his insurance rates or cancel his policy. Rules may differ by insurance company. Most insurers say that generally, they look at a policyholder’s total driving record and claims history when considering what penalty, if there would be any, they will assess for a DUI conviction.