DUI Insurance

Reader’s Question:

My mom and sister had an argument. My sister’s boyfriend was caught driving while drunk and my mom commented that it’s impossible for my sister’s boyfriend to renew his car insurance policy. My sister argues that there are companies that offer DUI insurance. Who’s right?

Phoebe

Chicago, IL

I can’t blame your mom for her naiveté because probably, driving under the influence of alcohol or drugs doesn’t exist in your family’s vocabulary. Forgive your mom for her being misinformed, but yes, there’s DUI insurance. Your sister was right that there are insurance companies willing to insure drivers who committed a DUI offense although the choices will be limited. Often, they’re not the original insurers of the violators prior to the DUI. But, yes, these companies exist.

Once the driver with a DUI record has decided what company to get his DUI insurance from, the chosen car insurance company will have to file a sr22 form to the state to inform that the offender has an active minimum state required insurance. It is the insurance company’s responsibility to do that.

Truth be told, Phoebe, the problem here isn’t really getting a DUI insurance: it’s more of getting the driver’s license back after a DUI, something that will give your sister’s boyfriend a real headache.

Meanwhile, be nice when correcting your mom about DUI insurance. Kudos to her (and probably your dad) for raising kids who don’t drink and drive.

You Need SR22 Insurance

Reader’s Question:

Will you need sr22 insurance for a first DUI?

Sasha

Miami, FL

The one inescapable case where you need SR22 insurance is when you commit a DUI offense. Driving under the influence (DUI) in Florida is classified under the driving while impaired (DWI) offense. This pertains to individuals found to have a blood alcohol concentration (BAC) of 0.08% or higher while operating a motor vehicle. Since FL takes drunk driving very seriously, the laws governing this offense are quite strict. A first time offender will have to shoulder penalties ranging from $250 to $500. If the BAC is 0.20 or higher, or was driving with a minor in the vehicle, then penalties add up to almost $1,000. Community service of up to 50 hours will be ordered against the first time offender but however has the option to pay $10 for each hour. If drunk driving results in serious injuries or even death, then imprisonment of at least two years will be handed down by the court. Your vehicle will also be sent to the state impound for ten days. And to top all of this, your driver’s license will be suspended for at least six months. You need sr22 insurance to have your license reinstated especially if you badly need to use your car to drive to and from work. To facilitate the license reinstatement, your insurer will file an SR22 form with the Department of Motor Vehicles (DMV).

SR22 Insurance

Reader’s Question:

I was charged for DUI recently and now I need to get SR22 insurance. My friends say that I may have to shell out a lot for this. Why is SR22 insurance more expensive and what can I do to get it cheaper?

Matt

Houston, TX

SR22 insurance is more expensive than any other types of insurance because it is given to high risk drivers. When a driver is considered high risk, an insurance company normally charges high insurance rates and premiums.

SR22 insurance is required among drivers who have been charged with major traffic violations. For instance if you have figured in a car accident and you were driving without any car insurance policy, then you will be required by authorities to request for SR22 insurance. The same goes if you were caught driving under the influence of liquor. Now, drivers with SR22 insurance do not have any choice but to pay the high premiums of SR22 since they need the insurance so that they can continue driving.

But fret not, since SR22 insurance can be cheaper. You can search for cheap SR22 insurance online. There are a number of websites offering affordable SR22 insurance online. You can even them without leaving the comfort of your own home.

You can also ask your insurance broker if he or she knows companies offering cheap SR22 insurance online. Some of the insurance brokers have affiliations with companies offering sr22 insurances on the Internet. These people can help you find insurances that would fit your budget.

I need SR22 Insurance New Jersey

Reader’s Question:

Hi! I was recently caught for DUI. Now I need SR22 insurance New Jersey so that I can continue driving. However I need SR22 insurance New Jersey that is cheap. How do I get one?

Vince

Newark, NJ

You can always go online and search for insurance companies offering cheap SR22 insurance in New Jersey. Go to Google and enter keywords like “I need SR22 insurance New Jersey” or “SR22 insurance in New Jersey,” and within seconds you will be given listing of insurance companies and insurance brokers offering cheap SR22 insurance. Click on any of these websites and read their terms and conditions for SR22 insurance. You can also get SR22 insurance quotes and compare them with other companies instantly.

You can also your insurance company handling your other insurance policies like life and health insurance if they can give you SR22 insurance. However most insurance companies may not give you SR22 insurance because this is a high risk type of insurance. Check first with your insurer if there’s any chance that they can grant you with one. You may even get a discount because you have multiple policies with them. However prepare to be saddled with high insurance premiums because SR22 is really expensive.

DUI Insurance

Reader’s Question:

I had a DUI conviction 6 months ago, and I’m about to renew my car insurance policy. To my surprise, my insurance carrier wouldn’t renew my policy. Can you help me find DUI insurance at this point?

Ramil

Chicago, IL

All car insurance companies base their rates on many factors, including driving record. Drunk driving convictions (DUI) would cause many insurance carriers to raise their charges, or in your case, cancel or not renew your coverage. Raised premiums, though, should be the least of your problems right now. Finding a car insurance company that will cover for your DUI insurance should be foremost in your agenda.

At this point, it is essential for you to seek professional advice regarding your car insurance situation. Fortunately for you, there are auto insurance companies that will insure you regardless if you have a DUI or not. Expect, though, to be charged properly. A DUI in your driving record may cause you to be considered a higher risk driver, raising your insurance premium significantly. As most states require you to file an SR-22, check if the auto insurance company you’re eyeing can do this for you. This is a statement of financial responsibility that shows proof that you have the right amount of insurance that is required by your state. How long your insurance company will bill you the rates of a DUI insurance will depend on your policy and your state rules. As long as your conviction is in your record, you will be charged accordingly.

DUI insurance may be a bit costly, but it is something you simply must have to prove that you’re a responsible driver.

DUI SR22 Insurance

Reader’s Question:

I was recently caught driving under the influence. Now the authorities say I should get a SR-22 or else I won’t be able to drive on the road again. Why is that so?

Kevin

Arlington, TX

DUI SR22 insurance is demanded from those who were caught for driving under the influence of alcohol. SR22 may also be requested from those who are frequent traffic violators. SR22 actually is more of a certification from your insurance company and issued to state authorities. This is to testify that you have a policy coverage with your insurance company and thus you are covered from any damage or accident you may get with the next time you are on the road.

DUI SR22 insurance is given only to high risk drivers, so expect that you will be dealing with high premiums from your insurer from now on. You have to pay your premiums on time, or your insurance company can cancel your DUI SR22 insurance for good. This means you cannot go around driving even if you have a driver’s license since your SR22 insurance had just been cancelled.

Remember that you have to carry your SR22 insurance every time you drive, or else you will be facing more troubles on the road.