Monday, August 23, 2010

Auto Insurance After a DUI

Hopefully it's something that you'll never have to deal with...getting insurance after being convicted of Driving Under the Influence (DUI).  It's not impossible, but it will almost certainly cost more and will mean moving your insurance to another carrier.

In most cases, after your day in court, in order to drive at all you need to have an SR-22. That's the form name for a "statement of responsibility" or in other words a document from an insurance carrier to the government saying you've got coverage.  It's the form required when you've lost your regular driving rights and that can happen for more than just a drinking-related offense.

After a conviction, or sometimes just the ticket itself, you might be non-renewed from your current carrier.  You'll then need to find something else quickly.  We use Progressive Insurance. They are a very good company that, to my knowledge, will take all comers.  Yes, it will be more expensive, but that was a foregone conclusion.

It's also possible that nothing will happen and your carrier doesn't find out about the incident. That depends on the state and insurance company as some carriers will do periodic motor vehicle record checks on existing insureds and some don't.

Either way, the sooner you speak with your agent the better because this process does take some time.  If you have more detailed questions about your situation or if you have more information you'd like to share please post in the comments section.

1 comment:

  1. many people are not aware of this fact that they can gett insurance after being convicted of Driving Under the Influence (DUI).Although it cost more but even after that its worth taking

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