Facing a DWI in New Jersey is daunting, more so if you’re under 21. It’s an unwelcome hurdle, one that can set off a domino effect of consequences, particularly when it comes to car insurance rates. You might wonder, just how long will this shadow loom over your driving record? Unfortunately, there isn’t a simple answer.
Each insurance company has its own playbook. They might outright refuse to cover you or could slap you with elevated rates for various durations — 2, 3, 5, 7, or even 10 years. In some cases, they might even hold it against you for life. Why such disparity? Insurers assess risk differently, and a DWI conviction is a glaring red flag, signaling a high-risk driver.
New Jersey’s stance on DWI doesn’t make it any easier. Unlike some states, New Jersey doesn’t categorize DWI as a criminal offense; thus, it sits permanently on your driving abstract. Expunging or sealing the record isn’t an option—even for juveniles. This means insurance companies can peer into your driving past and use that DWI against you indefinitely.
The fallout from an underage DWI goes beyond just your wallet. It’s a penalty that unfolds in various areas of your life, serving as a relentless reminder of one mistake. For underage drivers, the system is even more stringent. New Jersey law has zero tolerance for underage drinking and driving.
The allowed alcohol level for drivers under 21 is much lower than for those over 21, making it easier to face charges for even minimal alcohol consumption.
Here’s the silver lining: not all hope is lost when you’re staring down the barrel of a DWI charge. In New Jersey, every driver, irrespective of age, has the right to a strong defense. That’s where a seasoned New Jersey DWI attorney comes in.
With over 1,402 drivers helped, Attorney Matthew Reisig’s experience in the courtroom has turned the tide for many facing DWI charges. Having a knowledgeable attorney like Matthew Reisig can be the difference between a conviction with lasting repercussions and a favorable outcome that puts you back in the driver’s seat.
When you’re under 21, the world is already complex enough. Don’t let a DWI conviction dictate your future. An attorney who knows the ropes can challenge the charges, negotiate with the prosecution, and meticulously comb through evidence for any advantage.
Matthew Reisig does just that. He doesn’t just see a case number; he sees you, your aspirations, and your right to a second chance.
In short, while car insurance rates post-DWI can be unpredictable and the penalties harsh, there is a pathway through the legal system.
It starts with understanding your situation, continues with hiring expert legal defense, and ends with learning from the past while driving into a more responsible future. Remember, a DWI isn’t the end—it’s a detour, one that you can navigate with the right support.
If you need a DWI attorney in NJ, call 732-625-9660 today for a free consultation.
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