DUI and Car Insurance
By: Chris Kramer
After a DUI, you may face a variety of restrictions on your ability to drive: your license will likely be suspended for a time, and then may be reinstated provisionally, allowing you to drive only during certain hours or only for specific purposes. You may be required to install an ignition interlock device on your car for a time.
Automobile Insurance after a DUI May be the Most Expensive Restriction of All
In some states, a driver who has been convicted of DUI is required to carry expensive high-risk insurance for a period of years after a DUI conviction, even if he doesn't own a car. The insurance is a condition of a driver's license reinstatement.
Even in those states where proof of high-risk insurance is not required for driver's license reinstatement after a DUI, automobile insurance companies will consider a driver convicted of DUI a high risk. Some may cancel a policy, even if it's been in good standing for years, and purchasing new insurance may be very expensive. You may be required to purchase insurance through a high-risk insurer or a pool established by the state to ensure that all drivers have access to insurance.
You May Be Required to Obtain an SR-22
After a DUI conviction, one stipulation that may apply to you, depending on your state of residence, is the SR-22 requirement. The SR-22 is a document that provides proof of a required level of insurance coverage, and it is often required of high risk drivers and other so-called problem drivers. Some states require an SR-22 even if you don't own a car!
If you are required to comply with SR-22 requirements, you'll have to file for this certificate with a state-approved insurance company, who will in turn offer proof to the state government through the Department of Motor Vehicles of your compliance.
Charged with DUI? You Can Take Immediate Action
If you've been charged with DUI and have questions about possible changes to your insurance rates or rather need more clarification about the DUI laws in your state and potential DUI penalties, get in touch with a local DUI attorney as soon as possible. Speaking to one of our sponsoring DUI attorneys is a possible way to get answers to your most pressing questions and calmly evaluate your charges.
Simply fill out our free DUI case evaluation form or call 1 (877) 349-1311, and we'll help you get in touch with a DUI lawyer in your area who can evaluate your case and help you proceed as soon as possible.
The above summary is by no means all-inclusive and is not legal advice. For the latest information on DUIs and car insurance, speak to a DUI attorney in your area.