If you face difficulties when it comes to obtaining insurance after a DUI, you're not alone. However, this does not mean you will not be able to get coverage at all. In fact, in all but eight states, SR22 forms for insurance are required specifically for high-risk customers who have received a DUI or have dealt with other serious traffic offenses.
If you are preparing to get your driver's license back after your DUI, you will need to learn how to get SR22 insurance.
Why Do You Need to Fill Out This Form?
After a DUI, your car insurance provider may consider you a high-risk customer. If this is the case, you could lose coverage or at least face higher rates. Either way, your provider will have to give you an SR22 form to fill out, which will prove to the state that you are currently insured for at least the minimum amount. In addition, you will typically have to keep your policy for at least three years, although the term may be longer if you have multiple DUI convictions.
You will need to file the SR22 form at your local Department of Motor Vehicles so it is obvious you are taking financial responsibility for yourself when you are behind the wheel. After the DMV has the form, you can get your driver's license back, provided you have met all the other requirements for your state. If your policy is cancelled for any reason before the term is supposed to end, the state will be notified immediately, and you will not be legally allowed to drive until you get coverage again.
Where To Turn for Help with Your Policy
You will not be left alone to figure out the details of SR22 insurance. In fact, there are lots of resources that can guide you. For example, your state will notify you when you need to fill out this type of form, typically shortly after you get a DUI. Once you find out this requirement, you can contact insurance companies that offer SR22 insurance. Keep in mind that not all of them do, which means you may not be able to remain with your current provider, so be prepared to search for another one.
Once you know you need SR22 insurance, let your chosen provider know so a representative can prepare the form. After you complete it, you can ask your insurer to file it with your local DMV, though you should always keep a copy for your own records. As soon as you no longer need this type of coverage, your provider can file a form with the state to cancel it so you can get a different policy.
Of course, Accu Rate Insurance Agency is also here to help you make arrangements to get the proper auto insurance coverage after a DUI. If you have questions about how to proceed with Missouri SR22 Insurance or Illinois SR22 Insurance, please visit our website or call us today at 888-607-6499 to get a free car insurance quote. Our team is knowledgeable and happy to provide you with accurate answers.