What is SR22 Car Insurance in New York?

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. What is an auto insurance SR22?

James

New York, NY

Since you have had 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 a proof of insurance form. Your auto insurance provider will file the SR22 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.

How Long Does DUI Affect Car Insurance Rates

Reader’s Question:

I got a DUI three years ago. How long does my DUI affect car insurance rates? My insurance rate is still high!

Ben

Brooklyn, NY

 

The amount of time your DUI will affect your insurance rates depends on both your insurance company guidelines and your state’s regulations. States differ on how long a DUI or DWI stay on your driving record. It may stay on your MVR for as little as a few years or remain there permanently depending on the state and the situations regarding your DUI. As long as the infraction is on your DMV record, it is likely to affect your car insurance rates.

Each insurance provider has its own method of rating and evaluating people. To find out how long your DUI will remain on your record, contact the DMV in your state. To find out how long your insurance company is going to charge a higher rate, contact your insurance broker. Even after the offense is dropped from your record, your current insurance provider will have it on their records and may still charge your accordingly. It may be advisable to shop around for quotes from other insurance providers after your record is cleared.

Will a Dismissed DUI Case Still Affect my Car Insurance?

Reader’s Question:

Will a case of DUI dismissed in court can still affect my record and thus my insurance?

Neil

Thank you for asking Neil.

It is possible that for a dismissed DUI case to affect your driving record still. I would suggest that you check with your state’s Department of Motor Vehicles to find out what exactly will be listed on your driving record. The cost of a SR-22 will depend upon your driving history and other personal information.

The Department of Motor Vehicle (DMV) will be able to give you more information if a dismissed case of DUI will still show up your driving record. If you do find that the dismissed charge will remain part of your driving record, you may also contact your insurance company to know how this will affect your auto insurance rates.

Goodluck!

MariCAR

How Long Do I Need DUI Insurance in Colorado?

Reader’s Question:

I just want to know how long I need to carry this expensive DUI insurance and how long a DUI stays on the record in Colorado.

Jasper

Thank you for asking Jasper.

Driving history provided by the Colorado Division of Motor Vehicles reflect activity that has been retained for the last seven years. The CO DMV states that records are for seven years and cannot be limited to show any time period less than seven years. The records are maintained in accordance with State and Federal law, which includes the Fair Credit Reporting Act and the requirements of the Federal Trade Commission.

From this CO DMV information it looks like that your DUI stays on your driving record for 7 years. You may contact DMV directly to verify if a DUI does not stay on for a longer period of time.

The penalties for Driving Under the Influence (DUI) in Colorado are the following:

* 12 points towards a suspension of your license
* $300-$1000 fine
* 5 days- 1 year of jail time
* 48 hours- 96 hours public/community service

Goodluck!

MariCAR

Do I Need SR22 Insurance After DUI Conviction

Reader’s Question:

I got convicted of DUI but the DMV only informed me about the reinstatement fee. Do I still need an SR22? I live in Nebraska.

Randy

Thank you for asking Randy.

You will need to verify with the Nebraska Department of Motor Vehicles to make sure if the SR-22 is required in your situation or not.

The NE DMV online states that if you have been suspended/revoked as a result of a court conviction, accumulation of points and other administrative action may be required of you to show proof to the State of Nebraska that all cars that you own are insured. In addition to that, if you do not own any vehicles, you must purchase a non-owner or operator policy to show proof of financial responsibility.

According to the NE DMV your operator’s license and/or operating privileges may be suspended under the Administrative License Revocation (ALR) law. This authorizes police officers to immediately confiscate a driver’s license because of Driving under the Influence (DUI) conviction.

It looks like that in Nebraska it depends upon who suspended or revoked your license will help to determine if you will be required to file a SR-22 to reinstate your license. Its best to contact NE DMV to see see if you need to get insurance with a SR-22 filing or not.

Goodluck!

MariCAR

How Drivers with DUI Can Affect Car Insurance Rate

Reader’s Question:

My friend drove my car and he got convicted of a DUI. How will this affect my insurance rates?

Jairus

Thank you for asking Jairus.

If an offense is written to a motorist only and not against the motor vehicle, typically, it is the driver’s record that will be affected. If this is the case and your friend got convicted of a DUI in his or her name only then it would usually be their driving license and insurance rates that would be affected by this citation.

Most states have tough laws against driving under the influence of either alcohol or drugs. A court conviction of an individual operating while intoxicated, OWI, includes penalties such as a 48 hour jail sentence for a first offense, course or seminars for drinking drivers and substance abuse evaluation and or treatment. This is conviction may also come with a fine of up of to $1000.

Goodluck!

MariCAR