DWI is a serious problem due to the scores of deaths caused due to drunken driving. DWI is the only criminal offense for which postponed settlement cannot be received. DWI results in car accidents, injuries and death. To avoid this, the government has set various prevention methods like DWI courts, blacklisting driver licenses, seizing the registration plates, increasing penalties, rehabilitation programs for alcohol abuse, fines and open container bans.

A DWI conviction can also lead to jail, heavy fines and temporary or permanent revocation of the license. Apart from this, DWI can also affect getting or keeping a job as well as sourcing auto insurance. As getting insurance mandatory for owning a car, there is no particular law that regulates the premiums charged to DWI offenders.

Three Steps to DWI insurance incase you are convicted

There are three steps involved to get DWI insurance if you are convicted for DWI:

1. You need to research adequately and look for a good lawyer who has the necessary experience to fight the case. If fought effectively, the charges can be reduced and the period of license suspension can also be reduced. The insurance company can offer the insurance at reduced rates if the lawyers are successful in an appeal at a later date.

2. You need to improve your image with insurance companies.

3. You should get quotes from various carriers to get the necessary ‘proof of insurance’ (SR-22) form. This form is very important to get the drivers license reinstated.

Getting Car Insurance after Two DWI Charges

It is very difficult to get insurance after two DWIs and it can take several years. You need to follow the following guidelines acquire insurance after a 2nd DWI:

• With a second time DWI, in all probability the license will be suspended. You need to opt for an insurance company that will provide insurance coverage even during the suspension.
• You need to contact the insurance company to process their SR-22 form procedure. The premium under such circumstances will be very high as you will be considered a ‘high risk driver’.
• After submission of the SR-22 form to the local DMV, the license will be still on hold and will be under probation for the next two or more years.
• If you are not able to get an SR-22 form filed by any insurance company and your license is suspended, you can show to the insurance company your driving history (which needs to be without any negative aspects).
• You need to contact the insurance company to process their SR-22 form procedure. The premium under such circumstances will be very high as you will be considered a ‘high risk driver’.
• After submission of the SR-22 form to the local DMV, the license will be still on hold and will be under probation for the next two or more years.
• If you are not able to get an SR-22 form filed by any insurance company and your license is suspended, you can show to the insurance company your driving history (which needs to be without any negative aspects).
• With a 2nd DWI, you will not able to drive your car. Under such a situation, they need to apply for a personal ID card from the DMV as your driving license will be suspended and is the most important legitimate proof of ID.
• After the 2nd DWI, it is very important that the drivers maintain a good driving history by staying away from alcohol while driving or driving any car with a suspended license. As you will not be allowed to drive, you need to look at the option of using public transportation.