Frequently Asked Questions
What is DUI insurance anyway?
The term DUI insurance is used to describe a car insurance policy for drivers who have been convicted of driving under the influence. Such a policy is often referred to as SR22 Insurance too, although DUI is not the only reason why someone may be required to carry SR22 Insurance.
What makes DUI insurance different than a ?normal? auto insurance policy? Well, after a DUI conviction, you are usually required to show a proof of financial responsibility. This is done by a simple submission of an SR22 Form, hence the name SR22 Insurance. You may have heard this process also called SR22 filing. The good news, you don?t have to do it yourself, because your insurance company can do it for you. When obtaining quotes, just let the insurers know that you need an SR22 form to be submitted and they will take care of the rest.
What happens after a DUI?
The officer is required by law to immediately forward a copy of the completed notice of suspension or revocation form and any driver license taken into possession, with a sworn report to the DMV. The DMV automatically conducts an administrative review that includes an examination of the officer?s report, the suspension or revocation order, and any test results. If the suspension or revocation is upheld during the administrative review, you may request a hearing to contest the suspension or revocation.
You have the right to request a hearing from the DMV within 10 days of receipt of the suspension or revocation order. If the review shows there is no basis for the suspension or revocation, the action will be set aside. You will be notified by the DMV in writing only if the suspension or revocation is set aside following the administrative review.
Will my insurance company ?Drop Me? after a DUI?
Most insurance companies check your motor vehicle record once a year. Some, only once every three years or when you?re applying for a new policy. Sometimes, accidents, tickets, and drunk-driving convictions can escape your insurer?s attention. If your insurer DOES find out about a DUI conviction, you will see higher rates and possibly the task of seeking a new company due to them not renewing your insurance.
There are two ways insurance companies generally deal with customers convicted of DUI. First, your insurer may cancel you. In other cases, they will raise your premiums due to increasing your ?point? count, almost to the point of ?unaffordability.?
In the current insurance marketplace, it is probably better to seek out a specialist for your insurance coverages, rather than remain with your current carrier. At DUI-Auto-Insurance.com, we have had over 50 years of experience in placing DUI coverage. We have helped thousands of drivers reinstate their licenses, get their SR22?s in place, and shared our expertise and advice which in turn saved them thousands of dollars in needless attorney fees. In some cases, you may need an attorney to save your license, especially if facing a court trial or if this is your second offense. In other cases, if the DUI has already been to conviction, you may not need an attorney, and to seek one could be a waste of money since most questions can be answered by DMV or an insurance agent specializing in DUI coverages. We can answer most ?POST-conviction? questions for you at NO CHARGE.
How do Insurance Companies find out about a DUI Citation?
Insurers can sometimes miss DUI convictions. It?s possible that your insurance company will never find out about your conviction if they do not send for your motor vehicle report, and if you are not required to file an SR22 filing with them. Human error and computer error happen all the time. One way to keep your current policy (if your current preferred company does not find out about your DUI violation), is to buy minimum liability with one of our companies with an SR22 filing. This way DMV is satisfied because you have made your filing ? and since your current company has not found out about your drunk driving offense ? you are able to keep your current policy. This is especially helpful when you have full coverage, other family members/vehicles, higher liability limits, or coverage on a valuable vehicle, where the rates on a standard policy might be very high. We can gladly provide a free quote to you.
In most cases however, it is better just to let your current policy go, and get the full package with us. There is a very competitive market now for DUI drivers, and the rates are not as high as they used to be.
Will Insurance Coverage Apply in a DUI Collision?
Policyholders usually have some idea of what will happen to their car insurance coverage after they are caught driving under the influence. Your premiums will either skyrocket or your policy will be canceled when it comes up for renewal. However, drivers tend to be less clear on how their coverage applies if they have an accident while under the influence. Contact your insurance agent to understand exactly how your insurance coverage will apply in a DUI collision.