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The article has been updated successfully but requires approval before it is published.What is DUI insurance and SR-22?
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SR-22, or what many simply refer to as DUI insurance, is proof of adequate auto insurance coverage for drivers convicted of DUI or DWI. In many ways it's the insurance world's version of The Scarlet Letter, marking the driver as high-risk.
It serves as proof that the driver has liability coverage and that his or her DMV will be immediately notified if the policy is canceled or lapses for whatever reason. Most drivers must provide proof of SR-22 before a license can be restored following a suspension due to a drunk driving conviction. Under this policy you can expect high insurance premiums.
As is SR-22 is required in all states except New Mexico, Pennsylvania, Delaware, Kentucky and Minnesota. And though it's required in 45 states there is no universal policy. Each state adheres to its own SR-22 guidelines and requirements.
Not every provider carries SR-22 insurance. It's not uncommon for a driver convicted of DUI to immediately receive an insurance cancellation notice, requiring searching for a new carrier.
To help explain the ramifications of SR-22 or DUI laws in general, it's always a good idea to hire a DUI lawyer. These attorneys specialize in DUI matters. Their knowledge of the laws and familiarity with the presiding court can help reduce the severity of your penalties, saving you money and expediting the return of your driving privileges.
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