When you make the chance to drink while under the influence of drugs or alcohol, you are not only setting yourself up for a big increase in your dwi dui insurance rates. Even when the legal issues are over and your sentence is served, you will have to get your license reinstated and this can include special insurance coverage that will not only cost you more, but also be more difficult to get. DWI/DUI insurance is known as SR22 insurance. It is not an insurance policy really, but is more a form of proof that you have a certain kind of insurance. It is to show financial responsibility to the Department of Motor Vehicles in your state to allow you to get your license back.
An SR-22 is a form that is filed by the insurance company stating that you have auto insurance and that you are financially responsible. Depending upon which state that you live in, the requirements are different. In fact, some states do not even require SR-22s. Understanding what your state requires from you as far as getting SR-22 coverage will allow you to ensure that you are on the right track for getting your license back and be able to get back to driving on the road much quicker. SR-22 form filing means that you have fulfilled the requirements laid out by your insurance company and your DMV and have the minimum amount of insurance coverage necessary to cover you.
If your state requires an SR-22, it is something that you will have to keep in effect for a significant period of time. Three years of this coverage will be the least amount of time that you will have to keep this type of coverage, depending upon your probationary period or your state. Continuous insurance coverage will be the best thing possible for you to be released from under the insurance requirements and get back to driving without being under special requirements.
Financial responsibility is very important for the DMV to see to reinstate your driver’s license and in many states, it is a major requirement. Find an insurance company and then get quotes for this SR-22 filing to be sure that you will meet all the requirements that are laid out. The SR-22 filing must meet the minimum requirements as far as coverage limits laid out by your state. Your insurance company will do the filing for you after you meet the requirements for the SR-22.
How much will this SR-22 form filing cost you? While it will cost you some to add this filing to your insurance, the higher cost will come in when your rates will be increased due to the DUI on your driving record. Driving while under the influence is not only dangerous and harmful to you and others on the road, but it will also have a financial effect on you in the form of insurance coverage that is a necessity to have your license reinstated in some cases.
If you have been charged with a DUI and have fulfilled the requirements of your sentence, including jail time and license suspension time, you will want to see what you need to do to get your license back. In many ways, this may be the most difficult part, as you have to meet all the requirements that are laid out by the DMV to get your license reinstated. From SR-22 filing and more, there are many different steps that you have to take to get your license back and get back on the road. This will be laid out by the Department of Motor Vehicles, so be sure to do every step that they lay out.