If your son should get his own policy is a personal decision between you and your son. If he has his own vehicle to insure then this could be an option. If instead he does not and is on your policy in order to drive your cars then he may need to stay on your policy. It will really depend upon your insurance company's guidelines.

Your insurance company's rating system will determine how much your premiums could rise due to your son's offense. Since these rating systems differ between insurance carriers you will need to speak with your agent to find out what the rate hike may be. Usually a DUI conviction is taken as a serious risk by most insurance companies and thus likely his rates will reflect this.

Insurance company guidelines and rating systems differ so you will need to check with your insurance provider to find out if your rates will be affected by your son's DUI. While he remains on your policy it is likely that his DUI will cause your rates, as the policyholder, to rise since alcohol offenses are normally taken seriously by an insurance carrier.

If you want to remove or exclude your son from your policy you will need to speak to your insurance agent to find out how this may be done. If your son takes out his own car insurance policy you will probably be required to show proof of his policy to your insurer in order for them to remove him as a driver from your policy.

In Alabama the penalties for a first time DUI conviction can include the following:

• Imprisonment - Up to 1 year in municipal or county jail (no minimum mandatory sentence)
• Fine - $500 - $2,000, plus an additional $100 fine assessed for Impaired Drivers Trust Fund
• Mandatory - 90-day license suspension, DUI school attendance

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