Jul
19
Receiving a DUI can come with several types of punishment, each aimed at penalizing that person’s ease of getting in a car and driving. Although it is not part of the sentencing, if an auto insurer hears about a DUI, it is common in the industry to drop that driver once their policy comes up for renewal. So long as the company finds out about the DUI, that means that the driver has a limited time to find a new car insurance policy that will handle their claims. This can be a troublesome process, given the limitations imposed by a DUI conviction.
While the courts do not cancel insurance policies, they can order that a driver file an SR22 form. SR22 is synonymous with high-risk policies, and is usually required by the state for any driver who has undergone a license suspension or revocation. Also known as a Certificate of Financial Responsibility, SR22 forms are important documents that inform the state of proof of insurance, even after a DUI. These forms often require a small fee, usually around $25, to file with the state.
High-risk policies are available for those are looking to obtain car insurance after a DUI has been applied to a person’s record. Policies available are usually fewer in number and type, as high-risk insurance is generally less welcomed by most companies. Considering that the insurance comes with the danger of costing the policy provider a great sum, high-risk policies can be significantly more tight in terms of requirements and details.
While auto insurance alone can prove expensive at times, but high-risk insurance can be especially expensive. The additional evidence of past irresponsibility explains why these policies can be significantly more expensive.
By: David S Caldwell About the Author:
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