All you need
to know about DUI sr22 insurance
A sr22 filing is a document or electronic
certification which is issued by an auto insurance company
verifying to the state that the insured has an auto insurance
policy with the state’s minimum liability limits. DUI
sr22 insurance is required for those who are involved
in drunk driving related offense. It is an agreement between
the DMV and the high risk insurance provider which sates that
in any case if the insured is not providing insurance coverage
required by the state than the company will immediately notify
the DMV. On receiving this notification the DMV will promptly
suspend your license for the failure to comply with the state’s
minimum insurance requirements. The requirements of this
certification vary from state to state, but in most cases you
are required to carry it for a minimum period of 3 years after
any DUI related offense.
When is DUI
sr22 insurance needed?
Each year in US, it is estimated that DUI
related driving cases result in 18% of all the traffic related
deaths. If you are arrested for this offence, the arresting
officer will issue you either a “Notice of Revocation” or
“Notice of Suspension” and your driving license will be
confiscated. In order to reinstate your license you will have
to perform DUI sr22 insurance filing. This means that
the DMV has classified you as high
risk driver. Once you are booked for this offense you
will have to show your DUI record in many situations. This
record can stay on your driving license indefinitely. Many
people believe that this record will be removed after
certain years but this does not hold true for most states.
If you are residing in a state where you can expunge your
record, then find from your local DMV office when you can
file the necessary paperwork.
of sr22 insurance coverage lapse:
If for any reason you experience lapse in
your coverage it is the duty of your insurance carrier to
inform to the DMV of your state who in return will suspend or
revoke your license once again. Only when you can meet the
minimum financial liability of your state, your insurance
provider can file for another SR22 filing with your DMV office.
You will have to pay another license reinstatement fee to the
DMV. Once you have paid the fees and your insurance provider
has filed the sr22, your license will be reinstated. You will
have to start the 3-year SR22 filing period all over again.
If you are currently insured with an auto
insurance company and are booked for DUI there are chances that
you may have to pay minimum premium rates if you have a good
credit history. But if your insurance carrier does not offer
this policy it is best to look out for different options like
your local phone directory or search online. This insurance is
ideal for individuals who have gotten themselves a DUI ticket.
But before purchasing this insurance it is best to scout out
some time and carry out a thorough research on the insurance
companies you intend pay to. Make sure you are getting this
policy with the best deal. There are several companies who help
people with a bad driving record to get this policy. The best
way to get the most affordable and reputed company is by
searching online. There are many insurance companies websites
available on the internet. As the competition is strong to get
the business you can take the benefit and find cheapest quotes
for DUI sr22 insurance.
The outcome which is caused due to driving
under influence is terrible as it causes stress and anxiety.
But with all the right information you can grab cheap sr22