How does a DWI affect your auto insurance in North Carolina?

Minick Law founder and "NC DWI Guy" Attorney James Minick interviews Asheville insurance Center's Lee Barrett about the varying ways that a DWI can impact your NC auto insurance policy. Questions covered in this interview include:

-How does a DWI affect your insurance premium?
-What is the MVR report?
-Will an out of state DWI affect your insurance differently?
-Can an insurance company drop you after a DWI?
-Once you’re considered "High Risk" by an auto insurer, what happens?
-How can a DWI affect the other types of insurance policies you have?
-Can a DWI affect your homeowners or renters insurance?
-How long does it take for a DWI to show up on your MVR?
-What is the DL-123 form and how is it affected by a DWI?
-Will some insurers offer reasonable rates for someone with a DWI?
-How and when should someone plan for insurance changes after a DWI?
-Does it make sense to pursue separate polices for families or couples due to rate increases following a DWI?
-Should you switch policies or insurers after receiving a DWI?
-Can an insurance company increase your rates after you’ve been charged with DWI?
-If someone has an accident and is charged with DWI, can your rate increase ahead of the DWI conviction?
-If someone is an accident, and charged with DWI, and their car is totaled, can a person apply for new insurance with a revoked drivers license?
-How long will someone see a rate increase on their insurance following a DWI?
-How and when does an insurance company receive notification of a DWI from the DMV?
-If you drive as part of your job, how does your DWI affect your employers commercial insurance?
-Will your employer be notified of the reason that their premium went up after an employee receives a DWI?