You Got A DUI: What You Need To Know About SR22 Insurance

Insurance Blog

Perhaps you made a mistake. You got behind the wheel after having a few drinks, and now you're dealing with the consequences. One of those consequences is the need for SR22 insurance. But what exactly is SR22 insurance, and how do you get it? 

What is SR22 Insurance?

SR22 insurance is a type of car insurance that is required for individuals who have been convicted of certain driving offenses, such as a DUI. It is not actually insurance, but rather a certificate that proves you have the minimum amount of liability insurance required by your state. This certificate is filed with your state's Department of Motor Vehicles (DMV) to show that you are carrying the required insurance.

How Does SR22 Insurance Work?

Once you have been ordered by a court to obtain SR22 insurance, you will need to contact an insurance company that offers it. They will provide you with a quote for the amount of coverage you need, and once you have paid for the policy, they will file the SR22 certificate with the DMV on your behalf. From there, you will be required to maintain the policy for a certain amount of time, typically three years, without any lapses or cancellations.

How Much Does SR22 Insurance Cost?

The cost of SR22 insurance varies depending on the state you live in and your driving record. In general, it is more expensive than regular car insurance because it is considered "high-risk" coverage. However, the cost can be minimized by shopping around and comparing quotes from multiple insurance companies.

What Happens if You Don't Get SR22 Insurance?

If you are required to have SR22 insurance and you don't obtain it, you will not be able to legally drive. If you are caught driving without SR22 insurance, you could face serious consequences, including fines, license suspension or revocation, and even jail time. It's important to take this requirement seriously and obtain the necessary coverage as soon as possible.

Dealing with a DUI can be overwhelming, but obtaining SR22 insurance doesn't have to be. By understanding what SR22 insurance is, how it works, and what it costs, you can make informed decisions about your coverage and get back on the road safely and legally. Remember to shop around for the best rates and maintain your coverage without any lapses or cancellations. With a little bit of effort, you can move on from your mistake and get back to living your life.


8 May 2023