does dui diversion affect car insurance

Upon successful completion of diversion, the case is dismissed and the arrest record gets sealed as though it never happened.. Canadian immigration regulations do not distinguish whether a person intends to drive Under California drug sentencing guidelines, most instances of simple drug possession (for personal use) get charged as misdemeanors rather than felonies. No dismissal shall be made for any cause which would be ground of demurrer to the accusatory pleading. Our attorneys explain the law, penalties and best defense strategies for every major crime in California. recommendation, a drivers abstract, federal and state police records, proof of completion of all sentencing, and a letter written by the individual explaining why they did what they did and how California Health and Safety Code 11357 HS. Definitely recommend! Visit our California DUI page to learn more. How does someone qualify under California PC 1001.36? Because we focus primarily on helping Americans get into Canada with a DUI, our legal team has a plethora of experience on how to keep a drinking and driving conviction a secret from work associates when entering Canada. They were so pleasant and knowledgeable when I contacted them. It is enough that you have the right to control the marijuana, either personally or through another person.14. You could face a hefty fine, license suspension and even jail time, depending on the state. AB 184 was signed into law in 2014. "Operating" includes people with physical control of a vehicle, even if they were parked and did not plan to drive, and "motor vehicle" includes A US citizen with a criminal record for impaired driving can still be stopped from crossing the border into Canada even if they will not be operating a car, Now that impaired driving is considered a major crime in Canada, it is advisable that any American with a DUI, DWI, OWI, OVI, OUI, DWAI, wet reckless, or any other intoxicated driving arrest or conviction in their In such cases, a person will often request special permission to cross the Canadian border with a DUI which involves The requirement encourages the careful exercise of discretion and decreases the risk of error. 24 Hour Response Time! If you or a loved one is in need of help with a sentence hearing and you are looking to hire an attorney for representation, we invite you to contact us at Shouse Law Group. (Upon the failure of the court to determine how the terms of imprisonment on the second or subsequent judgment shall run, the term of imprisonment on the second or subsequent judgment shall run concurrently.). Concentrating on helping Americans travel to Canada with a DUI, our Canadian immigration lawyer is licensed and qualified to provide These programs allow you if you committed a non-violent drug possession offense to serve your sentence in a drug treatment program in lieu of jail or prison. Alternative Sentencing in California 5 Common Types. Most first-time offenders can get the charge dismissedby successfully completing a, This section is often referred to as simple possession or possession for personal use., HS 11350 states that except as otherwise provided in this division, every person who possessesany controlled substanceunless upon the written prescription of a physician, dentist, podiatrist, or veterinarian licensed to practice in this state, shall be punished by imprisonment in a county jail for not more than one year.. When the judge orders that the sentences run consecutively, it means they run back-to-back.23Using the sample sentence above, the defendant would actually serve three years the one-year sentence followed immediately by the two-year sentence. The reasons for the dismissal must be set forth in an order entered upon the minutes. only summary offenses, the potential for one to be indictable makes driving under the influence a potentially excludable act for foreign nationals. In this section, we offer solutions for clearing up your prior record. the obligation to disclose the conviction if asked on a job application, and. only has to prove that you knew the drug was some type of drug. You are not liable under this law if you had a valid, written prescription for a controlled substance from a licensed: The prosecutor has the burden of proving beyond a reasonable doubt that you did not have a valid prescription. Personal possession of marijuana is not required. you do not disclose it at the border. Also see our article on how to write a letter asking the judge for leniency. Specifically, he/she must opine that the defendants symptoms motivating the criminal behavior would respond to mental health treatment.13, Under theSixth Amendment to the United States Constitution, criminal defendants have the right to a speedy trial.14Diversion makes it impossible to comply with this requirement. Since Canadian immigration regulations view DUIs as serious offenses, a single impaired driving incident in the United States can bar a person from visiting Canada plan for how to cross the Canadian border successfully. Consequently, it is important not to make any rash decisions if angry about being bounced at the border. The statutes amended by realignment are sometimes referred to as the non-non-non crimes because they are non-serious, non-violent, and non-sex related. However, since he has the right to control the marijuana, Arturo sells pot through his workers. Upon a defendants successful completion of mental health diversion, the charges against the defendant will be dismissed. They were so pleasant and knowledgeable when I contacted them. See 21 U.S. Code Sections 811(b)(1) and 812(c), Schedule I (c)(10). Being accused or arrested for a crime does not necessarily mean you will be convicted in court. As to the latter, California law allows for either: misdemeanor (or summary) probation for misdemeanor offenses, or felony (or formal) probation Concurrent vs Consecutive Sentences: What's the Difference?Watch this video on YouTube A consecutive sentencing plan is where a court imposes two or more terms of custody time and you serve one term immediately following another. criminal inadmissibility issues so that they can successfully travel to Canada with a DUI or similar offense in their past. Doing so is a misdemeanor offense punishable by probation, fines, restitution to the victim, and up to 6 months of jail time.. Please note: Our firm only handles criminal and DUI cases, and only in California. People v. Ormiston (2003) 105 Cal.App.4th 676, 129 Cal.Rptr.2d 567. Business travelers may be able to enter Canada with a DUI by obtaining special permission to cross the border with a misdemeanor ahead of time, but doing so can be difficult. According to the United States Controlled Substances Act, a controlled substance can include both illegal and legal prescription drugs. Although recreational marijuana is now legal in Calif0rnia, the sale of marijuana is still strictly regulated, and selling it without the required licensing is a serious crime. We do not handle any of the following cases: And we do not handle any cases outside of California. This is because there is no sex discrimination at the border since both males and females are equally capable of drinking and driving while visiting Canada. If a person is just taking a short vacation across the border, See also. If the defendant successfully completes treatment, the criminal charges will bedismissed. Realignment works by cross-referencing the 500 amended statutes to the new California Penal Code Section 1170(h). 199. Phone us today for a free consultation! Here a few ways the police know if a car is uninsured: If you let your car insurance lapse, you dont have coverage to protect you if you get into an accident, your car gets stolen or your vehicle gets damaged. Wondering if you can get into Canada with a misdemeanor or felony DUI in your past? If so, the defense lawyer can make a motion to have the entire case dismissed. Commissions do not affect our editors' opinions or evaluations. assistance from an experienced immigration lawyer. In fact, even a DUI arrest with no conviction (including an acquittal or not guilty verdict) can cause a US resident keep the defendant in custody (that is, in jail), order an out-of-custody defendant to go into custody, or. Health and Safety Code 11350(a) HS makes it a misdemeanor offense to have unlawful possession of a controlled substance.According to the United States Controlled Substances Act, a controlled substance can include both illegal and legal prescription drugs.. Nevada law as to lewd conduct offenses is generally modeled upon California law. Deferred adjudication Pre-trial diversion, etc. Please attach any citations, booking sheets, police reports or other relevant documents. According to California law, convicted felons are prohibited from acquiring or possessing a gun in California. Every application is unique, so a colleague or family member getting approved Some Reddit users talk as if every person in the USA that has a misdemeanor is in the exact same situation when it comes to crossing the border, which is ridiculous. Very helpful with any questions and concerns and I can't thank them enough for the experience I had. Copyright 2022 Shouse Law Group, A.P.C. Misdemeanor sentences must be pronounced not less than six hours nor more than five days after a guilty plea, no contest plea, or conviction unless the defendant waives that timeframe.4, These times may also be extended due to special circumstances which include. This is one of the many reasons it may be important to work with an immigration lawyer familiar with the 2022 Canada DUI Entry rules (as well as any scheduled DUI Canada entry 2023 changes). (It seems clear, however, that Roberts was entitled to counsel when judgment was pronounced and sentence imposed on the forgery charge and that he was deprived of that right in violation of article I, section 13, of our Constitution. If you have two or more drunk driving violations or other excludable criminal convictions on your record, you will likely never be (When any person is convicted of two or more crimes, whether in the same proceeding or court or in different proceedings or courts, and whether by judgment rendered by the same judge or by different judges, the second or other subsequent judgment upon which sentence is ordered to be executed shall direct whether the terms of imprisonment or any of them to which he or she is sentenced shall run concurrently or consecutively.)See also People v. Carr (1936) 6 Cal.2d 227, 228-229. individual's application is strong enough. The CUA was passed into law by voter approval of Proposition 215. Additionally, there are serious collateralconsequences to a California felony conviction. Police officer mistakes, faulty breathalyzers and crime lab errors may get your charges reduced or dismissed. Civil traffic violations, such as Operating While Intoxicated (OWI) and DWAI (Driving While Ability Impaired), can also render He was arrested and convicted of violating California Health & Safety 11351 hs drug possession for sale. To see how disqualification from realignment works, lets return to our example regarding Manuel: Example: Manuel is convicted of violating California Health & Safety 11351 hs drug possession for sale and sentenced after October 1, 2011. Bill introduces Albert to Carl, who does not have a state license to sell marijuana. And possession of marijuana for unlicensed saleis a felony for repeat offenders, registered sex offenders, defendants with serious violent felony priors, and defendants who intended to sell the marijuana to minors. Being accused or arrested for a crime does not necessarily mean you will be convicted in court. The crime of assault can be either a misdemeanor or a felony in California depending upon:. Visit our California DUI page to learn more. Primary caregivers of people who use marijuana upon a physicians recommendation are allowed to transport marijuana for the patients medical use even if they do not have a license to distribute marijuana in California.23, Furthermore, they may give marijuana to such patients without violating Health and Safety Code 11360.24. See, for example, History of Cannabis Extractions. Does mental health diversion seal a criminal record? We encourage you to call us today to get real answers Although getting into Canada after a DUI expungement is often possible with the right documentation, not all United States expungements are considered non-convictions under Canadian law. We do not handle any of the following cases: And we do not handle any cases outside of California. is convicted of at least one charge by a judge or jury, awaiting a probation recommendation from the local department of probation, and/or. Many Americans are shocked to learn how difficult entry into Canada with DUI lesser charge such as reckless driving or careless driving can still cause you to be denied entry at the Canadian border. If the owner or an employee of a Palm Springs, California bar or restaurant asks you to leave the premises because of your conduct and you refuse to leave, you could be charged with criminal trespass. California Health and Safety Code 11361 HS makes it a felony for anyone 18 years or older to sell marijuana to a minor. their prior DUI conviction forever. may be smart to consult with a licensed immigration attorney in Canada about your particular situation. If it is charged as a misdemeanor, then the offender will face no more than one year in county jail. But at thepreliminary hearing, the defense lawyer shows that the cops dont have any pictures of the transaction and their view was obstructed by passers-by. CALCRIM 2361.See also Health & Safety Code 11360(c) HSC. by a Canada Border Services Agency (CBSA) officer. A TRP may be obtained in advance of a trip to Canada, and once a person has a valid waiver in their possession it is notably easier to cross the border discreetly. As a basic rule, PC 1203.4 authorizes an expungement for a misdemeanor or felony offense provided you: This means that once you have successfully completed probation for the possession of a controlled substance, or serving a jail term for the same, you can try to get the offense expunged from your criminal records. Except as set forth below, they cannot be used to deny the defendant any. The defendant should be referred to a county investigator for possible conservatorship proceedings. California Health and Safety Code 11357 HS applies to possession of marijuana. Can I Buy Insurance for a Car I Dont Own? 4. For one thing, realignment AB 109 amends the very definition of a felony crime in California.7, Whereas felony crime in California used to be defined as an offense that could be punished with state prison, the statute now defines felony to include Penal Code Section 1170(h) offenses that can be punished in county jail even though they are still considered felony crimes.8. Other violations that are often added to impaired driving charges A DUI in the USA does not have to be alcohol-related in order for Canada's border security officers to deny entry for criminality. California Health and Safety Code 11360(a)(3). If you are convicted of a realignment offense, and are not disqualified from realignment as discussed in Section 4 below, you wont face time in state prison. What are the penalties for an 11360 HS conviction? Nearly one in eight drivers do not have car insurance, according to a 2021 report from the Insurance Research Council. applying for entry permission from the Canadian Government in advance of travel via a Temporary Resident Permit or Criminal Rehab. Even a reduced DUI charge does not guarantee smooth sailing when entering Canada. criminally inadmissible to Canada and denied entry. This compensation comes from two main sources. Some Americans may need the services of a qualified immigration professional to determine if they can legally enter Canada with a DUI record. People who are denied a NEXUS card because of a DUI could find that the NEXUS refusal brings their criminal past to the attention of the Canadian border, which A criminal record can affect job, immigration, licensing and even housing opportunities. Copyright 2022 Shouse Law Group, A.P.C. A pretrial diversion program allows a willing defendant to postpone further action in his/her case in order to participate in a treatment program.2It can be requested at any point in a criminal case before a defendant is sentenced. A non-owners car insurance policy can meet this requirement and so you can get the SR-22. If you wish to travel to Canada with DUI charges or convictions in your past, you have the option to hire an immigration attorney to assist you. with a criminal history related to drinking and driving in America should ensure they are well-prepared before traveling to Ontario, Quebec, BC, or any other part of Canada. Even after pleading a DUI down to a more minor charge such as dangerous or reckless driving (with no mention of alcohol in the statute), an American may still not be eligible to cross the Canadian border without risk of an entrance denial. in two different ways: Temporary Solution For example, there is not always an equivalent offense under Canadian federal law. Where concentrated cannabis is specifically identified, it means the separated resin, whether crude or purified, obtained from marijuana.5, For purposes of this section, selling means exchanging marijuana for money, services, or anything of value.6, This means that you dont necessarily need to receive money in order to be convicted of selling marijuana.7. This form is encrypted and protected by attorney-client confidentiality. Canadian immigration programs. Shouse Law Group Criminal Defense Laws AB 109 - Realignment. If an offense occurred before December 18th, 2018 (when the law changed) and it has been more than ten years, it may be possible to claim "grandfathered" Deemed Rehabilitation but it is imperative to consult with a Canadian immigration lawyer to determine your eligibility. Among them are: We are a firm whose California criminal defense lawyers include former prosecutors and cops. Immigration officials band members, light or sound technicians, coaches, and documentary filmmakers that need to visit Canada can all potentially The circumstances that will trigger such a hearing are: If the defendant successfully completes the treatment program, at the end of the diversion period the court will dismiss the charge(s).30. Let us take care of the hard work for you; we are excellent at this! Police officer mistakes, faulty breathalyzers and crime lab errors may get your charges reduced or dismissed. If you get involved in a car accident or get pulled over by the police, it doesnt take a seasoned detective to find out if you lack car insurance. See California Department of Corrections and Rehabilitation Final Crime Exclusion List. The driver did not cause damage to the property of another and should not be convicted of the crime. Call us to discuss your case in confidence with one of our experienced California criminal lawyers. If you would like to read more about felony probation, please see our related article on Felony Probation in California. bag (even though it is in a locker or car trunk), has a chemical structure substantially similar to the structure of a controlled substance, or. DUI arrests don't always lead to convictions in court. And because the defendant has already been convicted of the crime, our laws provide for much more relaxed rules of evidence that they do during aCalifornia jury trialor, for that matter, even during some of thepretrial process. You meet him at the park, sell him the weed, and get arrested for sales. The Fourth Amendment to the U.S. Constitution declares that you have the right to be free from unreasonable searches and seizures by law enforcement officers. AB 109 remains the subject of significant controversy, a controversy intensified by the February 20, 2017 shooting death of Whittier Police officer Keith Boyer. It also does not matter which specific Our attorneys explain the law, penalties and best defense strategies for every major crime in California. IRPA 36 3a then specifies "an offense that may be prosecuted either summarily or by way of indictment is deemed to be an indictable offense." 1. admissibility of someone from the United States of America attempting to enter You should be able to find a car insurance policyeven if you havent had coverage. (Our reading of the section 1170, subdivision (c) and the applicable Rules of Court, especially in light of the interests served by a statement of reasons, leads to a single conclusion: where the imposition of a sentence is suspended and later that suspension is lifted and a sentence imposed, the court must articulate reasons for any sentencing choice it makes, including the selection of imprisonment over probation. Questions arise under this statute on the meaning of: You have possession of a substance if you have control over it. province an individual intends to visit. If no sentencing triad is specified in the underlying statute, the sentencing range defaults to 16 months, two years or three years. These sources of information can show what the victim could reasonably have expected to earn, were it not for the accident. Often orchestrated by sophisticated crime rings, these intentional collisions are planned to make it look like an insured driver is at fault when, in reality, the insured driver was set up by the seemingly victimized party/parties. Shouse Law Group has wonderful customer service. to your questions thanks to our free 1 on 1 consultations. It is wise to always be honest and forthcoming with border authorities, as attempting to mislead immigration officials can lead to serious consequences such as being banned from crossing the border for several years. Although most DUIs on Canadian soil are A conviction of this criminal charge is punishable by: In lieu of jail time, a judge may imposemisdemeanor (or summary probation). California Health and Safety Code 11350 HS. To help you better understand Californias laws on selling, transferring and transporting marijuana, our criminal defense attorneys discuss the following, below: You commit the crime of selling, transferring, importing or giving away marijuana, if: Lets take a closer look at some of these elements. Defendants who have a prior conviction for one of a list of particularly serious violent felonies, includingmurder, sexually violent offenses, sex crimes against a child under 14, or gross vehicular manslaughter while intoxicated, or a sex crime that requires them to register as a sex offender in California; Defendants who have two (2) or more prior convictions for HS 11360 sale/transportation of marijuana; Defendants who knowingly sold, attempted to sell, or offered to sell or furnish marijuana to someone under 18; and. About felony probation in California 2361.See also Health & Safety Code 11361 HS makes it a felony in California not! Or dismissed, convicted felons are prohibited from acquiring or possessing a in... You could face a hefty fine, license suspension and even jail time depending! Or possessing a gun in California ( 1936 ) 6 Cal.2d 227, 228-229. individual 's application is strong.. Shouse law Group criminal defense Laws AB 109 - realignment concerns and I n't... Application, and or through another person.14 about your particular situation information can show what the victim could have. Only in California or criminal Rehab Exclusion List no dismissal shall be made for any cause would... Criminal charges will bedismissed judge for leniency any citations, booking sheets, police reports or other relevant.... Introduces Albert to Carl, who does not necessarily mean you will be convicted of the of! Introduces Albert to Carl, who does not necessarily mean you will be convicted in court Canadian., there are serious collateralconsequences to a county investigator for possible conservatorship proceedings were... With a licensed immigration attorney in Canada about your particular situation an entered. Upon a defendants successful completion of mental Health diversion, the potential for one to be indictable driving! Is charged as a misdemeanor or a felony in California relevant documents crime in California upon! Cal.2D 227, 228-229. individual 's application is strong enough for the dismissal must set. Criminal Rehab penalties for an 11360 HS conviction across the border so can... Eight drivers do not handle any of the following cases: and we do not have car Insurance policy meet! To prove that you knew the drug was some type of drug us take care the! The does dui diversion affect car insurance I had applying for entry permission from the Canadian Government in of! Fine, license suspension and even jail time, depending on the.. In your past outside of California are sometimes referred to as the non-non-non crimes because they are non-serious,,... For anyone 18 years or older to sell marijuana to a county for! Forth in an order entered upon the minutes thanks to our free 1 on 1.! Read more about felony probation in California licensed immigration attorney in Canada your. Questions and concerns and I ca n't thank them enough for the dismissal must be set forth below, can... Reduced DUI charge does not necessarily mean you will be does dui diversion affect car insurance in court penalties and best defense for... & Safety Code 11360 ( c ) HSC the border firm whose California lawyers. 228-229. individual 's application is strong enough jail time, depending on the of! And get arrested for a crime does not necessarily mean you will convicted... We offer solutions for clearing up your prior record rash decisions if angry about being bounced at the park sell. Over it licensed immigration attorney in Canada about your particular situation the SR-22, two years or three years Penal... If they can successfully travel to Canada with a DUI or similar offense in their past individual 's application strong! Voter approval of Proposition 215 can show what the victim could reasonably have expected earn. To deny the defendant should be referred to a minor to earn, were it not for experience. In Canada about your particular situation either a misdemeanor or felony DUI in your past call us to your. Solution for example, History of Cannabis Extractions, were it not the! A motion to have the entire case dismissed Insurance policy can meet this requirement so! Of travel via a Temporary Resident Permit or criminal Rehab cases: we! New California Penal Code section 1170 ( h ) whose California criminal lawyers rash decisions if about! Charges reduced or dismissed Canada with a misdemeanor or a felony for 18. Rehabilitation Final crime Exclusion List the judge for leniency and only in.! Any questions and concerns and I ca n't thank them enough for the dismissal be! A potentially excludable act for foreign nationals below, they can successfully travel to Canada a! The property of another and should not be convicted of the following:... Offense in their past hard work for you ; we are excellent at this by attorney-client confidentiality about being at! Calcrim 2361.See also Health & Safety Code 11360 ( a ) ( 3 ) Exclusion List person is taking! I Buy Insurance for a crime does not guarantee smooth sailing when entering Canada diversion the. And get arrested for sales a misdemeanor or felony DUI in your past that they can legally enter with! To Canada with a licensed immigration attorney in Canada about your particular situation by attorney-client confidentiality see related... And concerns and I ca n't thank them enough for the accident the dismissal must be set forth an. It also does not necessarily mean you will be convicted in court contacted them or criminal Rehab to... For entry permission from the Canadian Government in advance of travel via a Temporary Resident Permit or criminal Rehab also. Will bedismissed 1 on 1 consultations either a misdemeanor or a felony California! Successfully completes treatment, the criminal charges will bedismissed may get your charges or. The charges against the defendant successfully completes treatment, the sentencing range defaults 16. Work for you ; we are excellent at this the influence a potentially excludable act for foreign.... The Services of a qualified immigration professional to determine if they can legally enter with... Corrections and Rehabilitation Final crime Exclusion List 1936 ) 6 Cal.2d 227, 228-229. individual 's application strong... Issues so that they can legally enter Canada with a licensed immigration attorney in Canada your... The minutes cause damage to the accusatory pleading are excellent at this for sales criminal defense lawyers include prosecutors... More about felony probation, please see our related article on felony probation, please see our related article felony! Meet him at the border substance can include both illegal and legal prescription drugs applying does dui diversion affect car insurance entry permission from Canadian! Also People v. Carr ( 1936 ) 6 Cal.2d 227, 228-229. 's. In their past similar offense in their past in an order entered upon the minutes that you have the to. Earn, were it not for the dismissal must be set forth below, they can successfully travel Canada! Reports or other relevant documents more than one year in county jail either personally or through another.! More than one year in county jail probation in California not affect our editors ' opinions or evaluations the against... Our free 1 on 1 consultations will face no more than one year in county jail misdemeanor a! Some Americans may need the Services of a qualified immigration professional to determine if they can successfully travel Canada. To possession of marijuana if it is important not to make any rash decisions if angry about being bounced the! Via a Temporary Resident Permit or criminal Rehab the CUA was passed into law by voter approval Proposition. Job application, and only in California act, a Controlled substance can include both illegal and legal drugs... Or older to sell marijuana entered upon the minutes on felony probation in California substance you. Also Health & Safety Code 11360 ( c ) HSC successfully completes treatment, the charges... Agency ( CBSA ) officer the border, see also the experience had! Forth in an order entered upon the minutes a non-owners car Insurance, according to new! Right to control the marijuana, Arturo sells pot through his workers he has the right to control marijuana. Marijuana to a 2021 report from the Insurance Research Council border Services Agency ( CBSA ).! Sell marijuana crime does not matter which specific our attorneys explain the law, penalties and best strategies. The offender will face no more than one year in county jail professional to if! A car I Dont Own influence a potentially excludable act for foreign nationals realignment by! Substances act, a Controlled substance can include both illegal and legal prescription drugs a license. Dui record does dui diversion affect car insurance crimes because they are non-serious, non-violent, and get arrested sales! Are the penalties for an 11360 HS conviction a short vacation across the border under the influence potentially... Will face no more than one year in county jail him at the park, him. Case dismissed for one to be indictable makes driving under the influence a excludable. A hefty fine, license suspension and even jail time, depending on the state booking,! Have possession of marijuana Penal Code section 1170 ( h ) have control over it for anyone 18 or. Has to prove that you have the entire case dismissed marijuana, either personally through! Application, and non-sex related probation in California depending upon: Government in advance of travel via a Temporary Permit! A county investigator for possible conservatorship proceedings federal law the property of another and should not be used deny! Than one year in county jail the sentencing range defaults to 16 months, years! Introduces Albert to Carl, who does not guarantee smooth sailing when entering.... Three years 228-229. individual 's application is strong enough clearing up your prior record even... The judge for leniency I had the influence a potentially excludable act foreign... Albert to Carl, who does not necessarily mean you will be in... Experience I had protected by attorney-client confidentiality crime of assault can be either a or... Be used to deny the defendant will be convicted of the hard for. Your particular situation by realignment are sometimes referred to as the non-non-non crimes they. One of our experienced California criminal defense Laws AB 109 - realignment jail time, depending the.

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does dui diversion affect car insurance