If you have been convicted of driving under the influence (DUI) and successfully completed your sentence requirements, you can now start the process of restoring your driving privileges. Before you can get your driver’s license restored, you must first purchase automobile insurance, and this may take some time because of your driving record.
If you have been charged with a DUI it is best to consult with a DUI lawyer. The websites of many a DUI lawyers states that “When you have been arrested for DUI, you have only 10 days to save your license from suspension or revocation. Therefore it is important for you to contact a DUI attorney immediately so that they may begin to work on saving your driver’s license. Once your license has been suspended it will become very difficult to continue or obtain car insurance.
DUI arrests and convictions trigger the suspension of driver’s licenses and it’s up to the drivers, with assistance from their attorneys, to get their licenses reinstated. In some states, the law requires DUI offenders to apply for new driver’s licenses rather than have their existing one reinstated. Before a state Department of Motor Vehicles (DMV) will grant the request, the driver has to show proof of auto insurance. Drivers may have to shop around for a new auto insurance company if their previous insurer canceled their policy because of their DUI conviction.
Expensive Auto Insurance
Getting a DUI charge is costly in more ways than one. Not only are there legal fees, court costs and costs for driver’s education or substance abuse prevention classes, there are higher costs for obtaining car insurance.
Expect to see higher insurance rates if your insurer does not cancel your policy because of your DUI conviction. Your auto insurer will now consider you a high-risk driver and the discounts that you may have had with your company will not be offered. The higher rates will go for you just as they do a new customer or a young adult with a luxury car. To prevent cancellation, some drivers offer to pay higher deductibles, an offer that may or may not be accepted by their carriers.
If cancellation occurs, drivers will have to shop around for auto insurance carriers that offer policies to high-risk drivers. It pays in the long run to do comparison shopping since drivers may be able to obtain discounts despite having a DUI conviction and points on their driving record.
Your company may also require you to purchase a non-standard policy, also known as “high-risk” insurance. Non-standard insurance is for bad drivers or those convicted of impaired driving charges and have to submit a SR-22 form when applying for another driver’s license.
What is a SR-22 form?
The SR-22 form is a proof of insurance form that state DMVs require drivers or their auto insurance companies to file to prove that drivers have valid automobile insurance. DMVs notify drivers whether they are required to submit the form before they can get their driver’s license.
SR-22 forms have to be submitted to the DMV by a certain date. Missing the deadline or incorrectly filling out the form means your driver’s license request will be held up or if you have a restricted driver’s license, it might be suspended.
It will take about three years before you see a reduction in your high-risk insurance rates. By then, you may have put your past behind you and moved on with your life. But for now, the goal is to get a valid insurance policy and vow not to get another DUI.