DUI Insurance
Reader’s Question:
My boyfriend was recently charged with DUI. What is the consequence of this on his auto insurance?
Rose
Seattle, WA
Driving under the influence can give your boyfriend a lot of problems when it comes to his vehicle insurance. He will have to request for a DUI insurance from his insurance company. This is also called as SR-22, although in reality this is not a type of insurance policy but more of a certification from his insurer. When he is given a DUI insurance, it means that your boyfriend has the policy or coverage to pay off any damages that he may incur on the road.
The problem is that DUI insurance is very hard to gain. Most insurance companies do not give SR-22 since this is high risk. Even if they do give SR-22, insurance companies will be charging your boyfriend with pretty high premiums. Your boyfriend will have to deal with larger monthly payments for his insurer.
When your boyfriend fails to pay off his monthly obligations with his insurer, the company can cancel the SR-22 and that could lead to more troubles for him. Your boyfriend cannot drive a vehicle without SR-22 for at least 3 years, so he either has to deal with expensive insurance premiums or be barred from driving.
Wow, super cheap rates on DUI insurance see for yourself!
DUI Insurance Rate North Carolina
Reader’s Question:
In North Carolina, how long will a DUI remain on your driving record? What are the DUI insurance rates in my state these days?
Anna
Charlotte, NC
The North Carolina Driver’s Handbook does not show how long a DUI or DWI infraction stays on your driving record but it is likely three to seven years. This offense can increase your auto insurance rates for at least 3 years and that if you have multiple DWI offenses within seven years it can be considered to be a felony.
To get more information regarding a DUI/DWI and your North Carolina driving record, you may contact the Department of Transportation. If you are in need of cheap auto insurance for North Carolina begin now.
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New York SR22 Car Insurance
Reader’s Question:
I was convicted of DUI and the court told me that to reinstate my license after suspension, I need to get a New York SR22 insurance. What is an auto insurance SR22?
James
New York, NY
Since you have your license suspended, you have to face a more severe penalty than a simple few weeks suspension. For you to be able to comply with the SR22 law, you will have to purchase New York SR22 insurance for a total of 3 years before you are able to keep your license without it.
New York SR22 is proof of insurance. It’s a form that the auto insurance providers you purchase your insurance policy from and will file with the DMV in your area every month. If the form is not filed during the 3 year period you are required to have SR22 insurance, then your insurance will be canceled and your license again will be suspended.
It’s sometimes not easy to find New York SR22, so you’ll have to look a little harder. Since you are now part of a high risk group of motorist, it’s also very likely that you will have to pay a lot more in order to keep yourself insured. If you don’t want to have to file SR22 insurance, then you can avoid it by simply allowing your license to remain suspended for 3 years–but then you won’t be able to operate a vehicle.
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