Regaining your driving privileges after a DUI can be a complicated matter. You'll need to make sure you have the proper paperwork and insurance before heading back out on the road. Here are three things you need to know before you get behind the wheel after a DUI.
After a DUI, you may be required to get a certificate of financial responsibility, often referred to as SR22 or SR22 insurance. This certificate should be obtained through your insurance company, and it shows that you are meeting the requirements set forth by your state for car insurance coverage. If your license was suspended or revoked as a result of your DUI, you'll likely need the SR22.
Increase In Insurance Rates
As with any car accident or other driving infraction, a DUI increases your risk level with your insurance company. The more risky it is to provide coverage, the more your insurance company may choose to charge for your policy. Your insurer can choose to keep your rates higher for 3, 5 or 7 years, depending on the length of time the DUI conviction remains on your driving record. If your insurance rate becomes too high, you may decide to look for coverage with another provider. You can also drop your coverage amount to meet the state's minimum legal requirements to make your car insurance more affordable after a DUI.
Your Insurance Company Can Drop Your Policy
If you are considered too risky to insure, your carrier can choose to drop your policy. This means you will need to find insurance and an SR22 from another provider. Even if your insurance company issued an SR22 with your first DUI conviction, it can choose to end your coverage if you have subsequent arrests for DUI. Some states, such as Illinois, require insurance companies to report to the department of motor vehicles when your coverage is cancelled or if your SR22 expires. You will need to act quickly to replace the coverage if you wish to continue driving if your insurance company cancels your coverage.
Navigating the complexities of insurance after a DUI can be difficult. Your state's department of motor vehicles may offer resources online that answer some of the questions you might have about SR22 insurance and your DUI conviction. It is important to make sure you have the proper coverage and documentation to avoid any future issues with the law and your ability to drive. Contact a company like Illinois Automobile Insurance for more information about your options.Share