Found an issue on this page? Let us know and we will look into it as soon as possible.
Pennsylvania ARD and Insurance Discovery
Anonymous7 views5 answers
I got a DUI in Sept 2011, completed ARD and had my record expunged. I did not have my license suspended, and no accident occurred. AFTER all this happened, my insurance company dropped me and another gave me a high rate due to my DUI. I understand that it stays on my PennDOT record for 10 years. However, after completion of ARD, with no accident involved, no prior convictions/arrests, and my record expunged HOW DOES ANY INSURANCE COMPANY DISCOVER THIS INFORMATION AND DROP ME AND/OR GIVE ME ABSURDLY HIGH RATES? I was under the impression that no one (employers, insurance companies, etc.) could obtain this information unless I commit a second offense within 10 years of the first. Please explain why this is happening and who I need to complain to.
Who advised you that no one (employers, insurance companies, etc.) could obtain your DUI information unless a second offense within 10 years of the first was committed. I would suggest that you may have received misinformation.
Your impression was incorrect and you must have misunderstood something. With the ARD it is not "part of your record." However, it can be discovered. PennDOT maintains a record of it even though you were never found guilty or pled guilty. This should not be the case, but it is how it works unfortunately.
I agree with my colleagues. You must have been given bad information by someone. The insurance company can certainly access your driving record and therefore make a business decision to raise your rates. You were arrested for a DUI and become a high risk driver for insurance purposes.
You must understand that there is a distinction between your Criminal record and your Driving record. Regarding your criminal record, information pertaining to your DUI offense that went through the ARD Program is not obtainable unless you commit another offense.
However, your driving record/history is a wholly different matter and can be lawfully obtained by the insurance company.
