Tommy

Austin, TX

It’s a must that you maintain your SR-22 insurance for a specified period of time and in your case it’s for two years. If you let your insurance coverage lapse then it means that the cheap SR-22 insurance that you got is no longer valid. When this happens, your auto insurance company will notify your state about the lapse on your coverage. Your SR-22 insurance coverage will be cancelled. If you failed to get another cheap SR-22 insurance as a replacement, then your vehicle registration and tags may again be suspended.

As to your second question, if you no longer need your SR-22 insurance, then you don’t have to do anything. Your auto insurance company knows on how long you should maintain your SR-22 insurance and once it’s over then you will see a change on your car insurance premiums by the time you renew your policy.

But if you are uncomfortable about doing nothing regarding the status of SR-22 insurance then you can always contact your auto insurance agent in Texas to make sure that your records are updated. I wish you the best while maintaining your SR-22 insurance.

Can Insurers miss DUI convictions?

Steve

Elgin, TX.

Steve,

It’s possible that your insurance company will never find out about your DUI conviction if you don’t have to get an SR-22. A June 2002 study by the Insurance Research Council revealed that as many as one-quarter of driving convictions never end up on motor vehicle records due to lack of shared information between courts and motor vehicle departments, or because a conviction has been erased through alternative means, such as driving school. If you get your charge reduced in a plea bargain, or have a limited license suspension, such as 30 days, it’s also very unlikely your insurer will find out about your conviction.

 If your insurance company misses the conviction at the time it happens, it may still have a few years to raise car insurance rates if the DUI is discovered later.

Great Question.

How can I find SR22 insurance?

Sarah

Elgin, TX.

Sarah,

To get a high risk policy you’ll most likely need to seek out smaller

companies that specialize in these types of policies. These smaller companies are set up specifically to provide high risk coverage and charge as you could have guessed a bit more for their services. In some instances your auto insurance after a DUI can be at least 2 or 3 times what a regular policy costs.

Even if you get canceled or rejected from any of the big auto insurance

carriers just know that there are still plenty of options for your SR22 auto insurance. The first thing you need to do is to visit a qualified broker who can provide you with rate quotes from insurance companies that would be willing to insure you. Then you can compare policies and see which one suits your needs.

Hope this answers your question.

George

Roundrock, Tx.

George,

Laws regarding DUI/DWI and car insurance coverage vary by state. Most states require DUI offenders to get a form called an SR-22 from their auto insurers, so you can’t hide. This form proves to the DMV that you carry liability insurance and removes your license suspension. An SR-22 also requires your insurance company to notify the DMV if it cancels your auto insurance for any reason. You’ll likely have to file proof of insurance for three – sometimes five – years with your state’s DMV.

Excellent Question.

Bill

Austin, TX.

Bill,

SR22 is a form of auto insurance. Required by law for someone that has been convicted of a DUI/DWI.

SR22 insurance guarantees the Department of Public Safety ( DPS) that you have the required amount of coverage required to drive under this situation. If th policy lapses, ends, or has any gap in it, the insurance company is required to let the DPS office that you no longer have insurance coverage. Upon this notification the DPS office will suspend your drivers license immediately.

As you can see it is very important to get and keep the SR22 insurance if convicted of a DUI/DWI.

Interesting Question. Thank you hope this information helps.

Ed

San Marcos, TX.

Ed,

If you have been unfortunate enough to be convicted of DUI or Driving Under the Influence of alcohol or drugs, then you are considered a high risk driver. No matter where you live, being a high risk driver means that your car insurance costs will be be higher than average.
When shopping for SR22 auto insurance the way to get the cheapest policy is to get rate quotes from as many different sources as possible. Online is the easiest way to accomplish this. All you have to do is fill out a short form and the click of the mouse you will have several rates from reputable companies to chose from.

Good Question. 

Charles,

New Braunsfel , TX.

Charles,

Under normal circumstances you are required to carry SR22 insurance for a minimum of 3 years. You should know exactly how long you will need this insurance when you go to court for your hearing.

This is considered high risk insurance. The state has determined that in order to ‘re-acquaint’ those offenders with the driving public they would need to be assured that they would carry a specific amount of coverage due to the increased risk that these very same DUI offenders have the potential to re-offend and possibly cause bodily harm or property damage.

Great Question. 

Fred

Spring TX.

Fred, 

It is a type of high risk auto insurance that came about because the state decided that people with drunk driving convictions were a danger on the roadways. This insurance carries high premiums and can last as long as 3 years. It is required by law to have this insurance after a DUI/DWI conviction.

There are no laws at this time to regulate the cost of premiums for SR22 insurance so the best way is to get several quotes. Online is the easiest way to do this. Just fill out a short form, then click the mouse and you will have several quotes to compare.

Great Question.