You are not required to answer potentially incriminating questions. Politely say, “I would like to speak with an attorney before I answer any questions.” This is an appropriate reply, although you are not entitled to counsel during a roadside stop unless you are in custody and questioned. Saying that you had one or two beers is not incriminating, is not sufficient to cause intoxication, and may explain the odor of alcohol on the breath.
Does an OWI affect your credit score?
An Operating While Intoxicated (OWI) conviction in Wisconsin can have far-reaching consequences beyond legal penalties, potentially impacting various aspects of your personal and financial life. While an OWI does not directly affect your credit score, the associated financial burdens and collateral consequences can indirectly influence your financial standing.
Financial Implications of an OWI Conviction
- Fines and Legal Costs: A first-time OWI offense in Wisconsin can result in fines ranging from $150 to $300. When additional court costs and surcharges are included, the total financial obligation can reach approximately $811.50.
- Increased Insurance Premiums: An OWI conviction often leads to a significant rise in auto insurance premiums. Insurance companies may view you as a high-risk driver, resulting in higher rates that can strain your financial resources.
- Ignition Interlock Device (IID) Costs: If mandated by the court, installing an IID in your vehicle can be costly. The expenses include installation fees and monthly maintenance charges, adding to your financial responsibilities.
Indirect Effects on Financial Standing
While these expenses do not directly alter your credit score, they can impact your financial health in ways that may affect your credit:
- Payment Challenges: The cumulative financial obligations from fines, increased insurance premiums, and IID costs can strain your budget. If these expenses lead to difficulties in paying bills or managing debt, your credit score could be indirectly affected due to missed or late payments.
- Employment Implications: An OWI conviction can jeopardize employment opportunities, especially in roles requiring a clean driving record or professional licensure. Job loss or reduced employment prospects can lead to financial instability, which may, in turn, impact your ability to maintain good credit standing.
While an OWI conviction in Wisconsin does not directly impact your credit score, the associated financial burdens and potential employment challenges can indirectly affect your financial stability. It's crucial to address these financial responsibilities promptly and seek legal counsel to navigate the complexities of an OWI charge, aiming to mitigate both legal and financial repercussions.
Get a Free Legal Consultation
If you’re facing an OWI charge, a knowledgeable attorney can help explore potential defenses. For a no-cost, 10-minute consultation with Madison-based OWI attorney Patrick Stangl, contact Stangl Law Offices to discuss your case and options for achieving the best possible outcome.
Madison OWI Attorney Patrick J. Stangl, is committed to exploring options for your best defense and has defended clients across the state since 1991. To this end, he is pleased to offer a FREE 10-minute consultation at no obligation to discuss the specifics of your case and take the first step in putting this stressful time behind you.
Being charged with a crime in Wisconsin can be an intimidating, scary, and ultimately life-changing event. If you hire Attorney Stangl to defend your criminal case, he can:
- Review the case for defects
- Potentially move for the suppression of evidence
- Compel the discovery of evidence to support your innocence
Fill out the form to request your FREE 10-minute consultation at no obligation right away.
Real Case Success: Attorney Stangl’s Consecutive OWI Victories
Attorney Patrick Stangl recently achieved three consecutive OWI dismissals in a single month by effectively challenging probable cause and procedural missteps in each case. For instance, in one case, he successfully argued against a prior conviction that had not honored his client’s right to counsel. In another, he demonstrated that the arresting officer lacked sufficient reason for the arrest, leading the court to dismiss the charges.

Attorney Patrick Stangl
Nationally recognized for excellence, Wisconsin Criminal Defense Attorney Patrick J. Stangl has been practicing law in the Badger State since 1991. While his expertise spans the breadth of criminal law, Attorney Stangl is well-known for his impressive record as a Wisconsin OWI attorney, defending all types of drunk driving and driving under the influence charges such as OWI, DUI, DWI, BAC, PAC, and more.