DUI Auto Insurance For Commercial Vehicle

Reader’s Question:

I am planning on going to truck driving school. I have had 3 DWIs and the last DWI was 6 years ago. Will I be insured by an insurance company in a commercial car?

Paul

Nashua, NH

Many commercial car insurance companies do not want to insure a motorist with a commercial driver’s license (CDL) that has a DWI, DUI or OUI. Since your last DWI was over 6 years ago, you might be able to find an insurance company that will insure you but the costs will likely still be high.

I would verify with the trucking school you are going to attend to for more information since they would typically deal with the insurance carriers that you would possibly want to be insured through. You can also check if the school thinks you will be insurable through an insurer plan once you acquired a job after your truck driving school is over.

How Long Do I Need to Carry SR22 Insurance in Tennessee

Reader’s Question:

What is the required time to carry an SR22 in TN? I was required to carry an SR22 because of DUI.

Gina

Thank you for asking Gina.

The Tennessee Department of Safety states that a SR-22 can be required for a total of five (5) years from your date of suspension. If the Financial Responsibility certificate or SR-22 is filed for a total of three (3) years (36 months) within the five (5) year period, the SR-22 may be cancelled or terminated given that it is not required anymore on any other suspension. If the SR-22 is cancelled or terminated before the required period of time and a new form is not filed, your drivers license will be suspended or revoked.

An SR-22 form is proof of future financial responsibility that is required or mandated under Tennessee Code Annotated 55-12-114. If you are required to file a SR-22, then you should contact a liability insurance company and inform them of the needed filing with the state. This form must be filed by an insurance carrier licensed to do business in Tennessee to issue motor vehicle liability insurance coverage in. The minimum liability limits required in Tennessee is 25/50/10.

Goodluck!

MariCAR