Do I Need SR22 Insurance After DUI Conviction?
Reader’s Question:
If you get charged with DUI, does it automatically mean you need to get an SR22 car insurance?
Jeremy
Anchorage, AK
When it comes to DUI laws and sr22 car insurance, state laws vary. So you are not automatically required to get SR22 car insurance if you get convicted of DUI.
However, most states would require an individual to get an SR22 car insurance after DUI as part of the penalties. An SR22 is also required to reinstate your license after suspension. So if you had a DUI suspension you are required to file the SR-22 car insurance as part of the reinstatement process.
Also, not all states require an SR22 car insurance. States that do not require SR22 car insurance are the following:
- Delaware
- Kentucky
- Minnesota
- New Mexico
- Oklahoma
- Pennsylvania
- New York
- North Carolina
Not all insurance providers offer SR22 filings so drivers convicted of DUI sometimes find it hard to find an insurer that will file SR22 insurance for them.
If you have been convicted with DUI and you want to know if you need to get SR22 car insurance, I would suggest that you contact your state’s Department of Motor Vehicles to find out.
What is an SR22 Certificate?
Reader’s Question:
What is an SR22 Certificate?
Michel
Louisville, KY
Those who were caught with violations such as DUI, driving without car insurance, and other traffic infractions are required to get SR22 certificate from their insurance companies. SR22 certificate provides proof that the driver has the minimum insurance coverage as required by law.
SR22 certificate is not cheap. The high rates of SR22 certificate makes it hard for most drivers to pay their premiums on time. However drivers cannot afford to have lapses in their payments because the car insurance company can cancel the SR22 certificate. Drivers then would have to pay more for the re-application of the SR22 certificate.
Drivers in need of a more affordable SR22 certificate can get one by browsing the Internet. Many specialized SR22 insurance firms are now offering discounted rates for SR22 certificate. Drivers who need a more affordable SR22 certificate should find a good SR22 insurance website and request for affordable SR22 insurance quotes.
Drivers are also advised to compare multiple SR22 certificate quotes as much as possible so they can save on their SR22 insurance expenses. If possible, they can ask for any discounts to help lower their premium. There are also websites that allow drivers to do this at their most convenient time and place.
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