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Drunk Driving - DUI in the USA |  |
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SR22 Insurance Quotes
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DUI Legalities : How will a DUI conviction affect my auto insurance?
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An SR22 is actually a form that is filed in by an insurance company which is then sent off to the DMV or relevant drivers license issuing department. The SR22 filing removes any suspension placed on a drivers license by the DMV. The SR22 filing provides a guarantee to the state that an insurance company has issued a high risk driver with the minimum amount of liability insurance needed in order to drive a motor vehicle in a particular state. An SR22 filing (high risk drivers auto insurance) is required after a conviction for DUI (driving under the influence) DWI (driving while intoxicated) and other alcohol related driving offenses. An SR22 filing is also commonly referred to as "proof of financial responsibility".
A DUI can also be known as Drunk driving, DWI (driving while intoxicated), DUII (driving under the influence of intoxicants), OUI (operating under the influence), OWI (operating while intoxicated), OMVI (operating a vehicle while intoxicated), DUIL (driving under the influence of liquor), DWAI (driving while ability impaired), DWUI (driving while under the influence) or DUBAL (driving with an unlawful blood alcohol level). Whatever acronym is used, if you are convicted of an alcohol related traffic offense you will typically have to obtain SR22 auto insurance before your drivers license is re-instated.
An SR22 auto insurance filing is simply a means by which insurance companies inform the state that a driver is covered by and has the minimum liability insurance set forward by the states DMV - Department of Motor Vehicles. Liability insurance provides coverage for damages drivers may cause to other persons.
This can vary from state to state, but the length of time is normally a period of three years, although the period of time a driver is required to hold SR22 insurance can be longer or shorter than three years in certain circumstances and states. Some states do not have an SR22 insurance requirement but most states do. You can find out how long SR22 insurance is needed in each state by following this link.
During the time a driver is required to hold SR22 auto insurance, the SR22 insurance policy must be held continuously (continuously insured). If a drivers SR22 insurance policy lapses, expires or is cancelled then their insurance carrier has a responsibility to notify the states DMV (Department of Motor Vehicles) or the relevant authority that deals with drivers licenses and their drivers license will once again be suspended/revoked.
Drivers are able to change insurance carriers during this time period as long as the SR22 insurance is held continuously it does not matter which insurance company provides the cover. If a driver wishes to change insurance carriers during the SR22 insurance time period requirement then they should first get their new insurance carrier to make an SR22 filing on their behalf and wait until they are insured before canceling their old insurance policy. This way there will be no lapses in insurance coverage.
Yes. Non owner SR22 insurance allows the named insured driver to drive any motor vehicle that they are given permission to drive. If you purchase a non-owners SR22 insurance policy, make sure you do not drive any vehicle you have not been given express consent to drive and ensure that the vehicle in question is insured by the owner.
An SR22 non-owners insurance policy is a great way for drivers who do not own a motor vehicle and who may not have regular access to a motor vehicle to meet the states drivers license re-instatement insurance requirements. Purchasing non-owners liability coverage will enable drivers to satisfy the states SR22 insurance requirements.
There are three types of SR22 certificates available:
SR22 auto insurance may not cost as much as some people may think. The cost of SR22 insurance will depend on several factors including: age, gender, marital status, vehicle, driving record and perhaps most importantly the insurance carrier that provides the SR22 auto insurance coverage.
Prices can vary substantially between carriers and some carriers do not even provide SR22 auto insurance at all. This means if you have an SR22 insurance requirement and you are already insured by an insurance company, your policy may be cancelled if the insurance company do not offer SR22 insurance filings.
It pays to shop around and compare rates with different insurance companies who offer SR22 high risk insurance coverage. Prices from one insurance carrier to another can differ a great deal, you could save hundreds of dollars by shopping around and obtaining quotes from several insurance companies.
Not all states require drivers to obtain SR22 insurance coverage after a DUI conviction, however most states do. Find out if your state requires SR22 auto insurance and the period of time it is required.
Insurance companies check motor vehicle records every 3 years or whenever a new insurance policy is applied for. Even if a driver does not need to obtain SR22 insurance, if an insurance company finds out a driver has a DUI conviction then they will be classed as a higher risk and insurance rates may increase as a result. It really does pay to shop around and compare rates from several insurance companies.
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