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SR22 Auto Insurance FAQs for DUI/DWI Drivers

Posted on Oct 07, 2010

The average driver is not familiar with the form SR22 until they need to fill it out. These forms are filled out by drivers that have had their drivers licenses suspended for any reason like drunk driving, reckless driving, at fault traffic accident, or even driving without insurance.

Here are some SR22 Auto insurance FAQ for DUI/DWI Drivers

Why do I need an SR22 form?

The forms are provided to drivers who have had their licence suspended to help them retain their driver privileges by maintaining the minimum insurance requirements for a particular state. Having minimum liability automobile insurance is required in most states throughout the United States.

The form was originally designed to help driver that have had their driving license suspended for any reason. These drivers were seen as high risk drivers so insurance companies would refuse to cover them or charge rates that were so high that most drivers in this situation could not afford the basic insurance coverage. To combat this US states made agreements with automobile insurance companies as a whole to develop a pool of carriers that would cover these drivers for reasonable rates there by making rates affordable for drivers that otherwise would not be able to afford basic insurance coverage. Today SR22s are synonymous with punishment for DUI offences.

What is the significants of filing an SR22?

When a driver has an SR22 filing, it among other thing signifies a communication between insurance company of the driver and the DMV. If driver’s insurance lapse for any reason the insurance company informs the DMV and a driver license become invalid.

What are some of the reasons for SR22 filing?

There are many reasons for SR22 filing, but the most paramount of them are:

A DUI conviction
The loss of points off of a license
Reckless driving
Serious moving violations
Driving without a license
Driving without proper coverage
At fault traffic accidents

What do I fill in on the SR22 form?

On the SR-22 you will fill in all your personal information, your auto insurance information, the vehicles you own (if any) and any vehicle that you drive whether you own them or not.

Where do I get an SR22 form?

The best place to obtain one is at the DMV.

What is the time period for filing a SR22 for a Drunk Driver conviction?

This varies from state to state however on average it is 3 years.

SR22 Information and Proper DUI Advice

While an SR22 can help you retain your privilege to drive in a state and help you maintain adequate liability insurance it can all be used as a tool by insurance companies to trick you into paying exorbitant rates. So if you are convicted of drunk driving or you have been charged with DWI make sure you seek out proper legal representation.

After a DWI: Car Insurance

Posted on Jul 12, 2010

It is a serious offense to drive under the influence of alcohol or drugs. The consequences of DWI are humiliating and expensive. Apart from the penalties like fines, license suspension, attorney fees, there are long-term effects, like car insurance premiums being increased. If you have been convicted for DUI, your insurance company will deal with you in a stricter way. The annual insurance rates will go up or your policy may be cancelled. In most cases, your insurance company will raise your insurance and keep you insured but you will be counted as a high-risk driver. However, a proof of insurance certificate will remove your license suspension by providing the state with proof that you are insured.

If your car insurance is cancelled, you have the opportunity to find insurance from other companies. They will file the insurance for you so that your license is reinstated. It is obvious that your insurance rates will be higher because of your DWI violation. After DWI, when you are searching for a new insurance coverage, it is advisable to proceed through an independent agent that has association with many different insurance companies.

Auto Insurance after DWI

It is challenging to obtain an affordable insurance after you have committed a DWI. It is true that you need reliable car auto insurance more than ever after you have been convicted for a DWI. There are insurance companies that calculate the premiums concentrating on the risk factors associated with your car like car loss, causing a collision, etc. The auto insurance rates are also figured on the basis of your geographic location, driving record, accidents, tickets and DWI or DUI.

Filing for Insurance after DWI

After a DWI, filing an SR-22 form sends a report to your insurance company about your drunk driving arrest. The SR-22 is a formal proof of insurance certificate that is required only by DWI drivers. So, you need to consult with experienced insurance providers as the process is involved.

As the insurance rates are an important factor of your car insurance, it is advisable to go for an authorized person who can help you out in getting your care insurance after you have been convicted of DWI. An experienced insurance provider can give you ideas on how to make your insurance rates as low as possible. Also, if your case is fought by an experienced DWI attorney, the attorney will fight the consequences of DWI offense and make your charges and punishment the least possible, which has the impact on your auto insurance rates. Your insurance rates will be affected by the length of the time the DWI conviction stays on your driving records. Some states keep these records for about ten years.

Remember, DWI is a serious offense and it makes the process of reinsurance more difficult, leaving very little space for you to have the insurance of your choice.

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