If you drive under the influence of alcohol, you pose a huge risk not just to yourself but others on the road.
Often, drunk drivers receive DUI charges. As a result of the charge, they might need to obtain an SR-22 certificate. Should you receive this penalty, you have to work with your auto insurance provider.
SR-22 Risks and DUI Charges
DUI charges signal significant risks in the eyes of your driving authorities. Following a charge, the court may require you to obtain an SR-22 certificate before you return to the road.
An SR-22 is a form that shows proof of existing auto insurance to your state DMV. It helps assure the state that, because of your DUI history, you have insurance coverage.
An SR-22 certificate is not an insurance policy itself. The person required to carry the certificate must first obtain an adequate policy. Then, the driver’s insurance agent will issue the SR-22 certificate to the state.
Sometimes, this is easier said than done. Some insurers refuse to cover SR-22 drivers. Therefore, when you get a DUI charge and have to get an SR-22, talk to your insurance agent. They can let you know if your existing policy will cover your increased driving risks.
The SR-22 requirement means you also have to keep your policy active at all times. Do not let it lapse. If you do so, the SR-22 period may start over and you may face harsher penalties. Maintain open communications with your insurance agent as long as you have an SR-22.
Reducing the Chances of DUIs
Both an SR-22 requirement and a DUI charge may show your insurance carrier that you are a high risk driver. The insurance company may not be able to insure you at standard policy rates. Because of the increased risks, insurance carriers may up your policy costs.
Drivers should do everything they can to reduce the chances that they receive a DUI charge. The best way to do so is to never drive drunk. You can do this through several means.
If you plan to drink during a social outing, make alternative transportation arrangements. This may include hiring a ride-share or taxi, appointing a designated driver, or leaving a responsible person in charge of your keys. Never assume that just because you feel okay that you are completely sober.
If a DUI charge does occur, don’t wait to notify your auto insurance provider. He or she can advise you on the next steps.