Auto Insurance For DUI

Reader’s Question:

Do I need 2 car insurances after committing a DUI offense last week? I know it was a terrible mistake and I want to make amends by at least complying with what the state requires in terms of car insurance. Apart from DUI insurance, do I also need to have DUI SR22 insurance?

Ian

Pittsburgh, PA

To put it simply, DUI SR22 insurance is not really an actual car insurance. It’s nothing more than a form filed by the auto insurance company of the driver with DUI offense to the state, informing that the insured has the mandated insurance coverage.

Though I commend you for acknowledging your mistake (because you were caught and didn’t have a choice, right?) and wanting to make amends by at least complying with your state’s car insurance policies and regulations, it doesn’t mean you’re already considered a saint. Are you aware of the countless lives that were lost on the roads caused by drivers who were DUI? Every person is entitled to his/her own choice, but when that choice does harm to others, it is obviously so wrong. So, Ian, please drive responsibly next time.

By the way, I suggest that you check various DUI SR22 insurance companies online. You will find a lot of choices by just clicking. I’m sure that the best DUI SR22 insurance is just at the tip of your fingertips.

I hope you get a free rate quote while you are here DUI insurance

Driving Without Insurance – What Are The Penalties?

Reader’s Question:

I recently got involved in a car accident with someone and I had no auto insurance coverage. The other vehicle had uninsured motorist coverage. Whats going to happen?

George

Houston, TX

I am sorry to hear about what happened. The specific penalties differ from state to state for driving without insurance and/ or being involved in a car accident without car insurance. You may be held personally liable for the damages you caused even if the other person had insurance. Additionally, you will be subject to some financial responsibility rules that is enforced by your state.

I would really suggest that you contact a lawyer to determine your liability exposure and you may also contact your local driver’s license office to know what action(s) may be taken against your license.

You will also need to find out the insurance status of the other motorist through the local authorities (police report and/or investigation)