About SR-22 Insurance

A conviction of driving while intoxicated (DWI) can have a number of repercussions. You may be ordered to file an SR-22, proving that you carry at the minimum the minimum amount of liability insurance required by the state you live in. However, with a DWI on your record, you might find that rates for already the minimum amount of required insurance have gone up considerably.

What Is an SR-22 Form?

If you have been convicted of DUI or DWI, many states will require that you file an SR-22 form before you can have your license reinstated. The purpose of this form is to confirm that you have purchased at the minimum the minimum amount of liability insurance that is mandated by the state you live in. As such, if you are ever at fault for an accident, the SR-22 shows that you have the insurance coverage necessary to cover the medical bills and character damage of the other motorist.

However, different insurance companies respond to DUI charges in different ways. Some will choose to cancel your coverage outright if you have been convicted of drunk driving or another offense that is considered dangerous. Others will let you keep your insurance coverage, but will charge you much higher premiums from then on. As such, getting the coverage you need and filing an SR-22 can become incredibly expensive.

already if you apply for new insurance coverage, they will be made aware of your legal record. This record can make you a “high risk” driver in the eyes of insurance companies. This may average that many companies will be reluctant to insure you, or they may charge you higher premiums than other drivers. Fortunately, there are ways for you to find the coverage options you need at a price you can provide.

To get auto insurance price quotes from a variety of insurance providers in your area, allowing you to compare prices and find the best deal obtainable, visit our insurance experts today.

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