|DUI Insurance||DWI Insurance|
|SR22 Insurance||FR44 Insurance|
Most states require some proof of coverage before restoring full driving privileges to those who have been convicted of DUI, driving a car under the influence. In these cases, an SR22 form meets that requirement by stating to the local Department of Motor Vehicle that the DUI offender has at least minimum insurance coverage. When the car insurance provider submits the certification to the DMV, any driving suspension is removed. Should this person subsequently cancel his policy or let it lapse after he has obtained an SR22, the insurer is obligated to inform the DMV of the updated status. In most cases, the driving privileges are then revoked.
An SR22 is required in most states and in almost all cases where a person was operating a motor vehicle while under the influence, DUI, even if that person had car insurance coverage. In cases not involving a DUI, the person may still have to submit a SR22 if he had no proof of insurance at the time the he was pulled over for DUI. This is especially true if the driver was at fault for an accident. The SR22 does not exempt anyone for any fines incurred for driving without proof of car insurance. Check our instant online SR22 quotes for the best SR22 car insurance quotes to make a wise descision for your future.
If you had coverage at the time of a DUI offense, the insurer may respond in one of two ways: either raise his premiums due to an increasing point count or cancel the policy entirely. A cancellation will automatically be a demerit on his history and he will then be considered a "high-risk" driver. Subsequent insurers will require higher premiums because of this designation and the DUI. In some states, an insurer is prohibited from cancelling a policy before its term has expired. Drivers should check with their state's DUI laws to determine if they have similar pre-cancellation protection to avoid this mark on their credit history.
Depending on state law or DUI, a driver's car insurance status may be affected for a minimum of three years for a first driving conviction like a DUI. The time lengthens with every subsequent conviction. In some states, if injuries resulted from the DUI, penalties are increased, especially in cases involving a child. These enhanced DUI penalties also apply to drivers under the age of 21 or whose blood alcohol levels exceeded a statutory limit.
Although some insurers do not provide SR22 certification for DUI, many do. When a driver requests an SR22, he is automatically categorized as high-risk and his premiums will be much higher than those given to non-risk drivers with no DUI on record. The SR22 car insurance form is similarly named in every state, so if a person should have to move, he or she can have an SR22 filed with the local DMV in their destination state.
Those seeking SR22 insurance certification should find out whether their current provider offers quotes and what it will cost in increased premiums. If their provider does not offer SR22 car insurance, they need to shop for SR22 insurance quotes among those insurers who do offer this certification to compare premiums and quotes. Some insurers do not offer comparative rates on SR22 car insurance quotes, so an independent agency can shop around for SR22 insurance providers who will meet the driver's particular financial needs. These agencies often have better access to insurance rates and can offer optimal SR22 insurance quotes.
Once a driver receives SR22 quotes and certification, he should make every effort to maintain an unblemished driving record and avoid another DUI. Any subsequent violations may result in a revocation of their SR22 privilege.