It is common for people to be caught driving under the influence of alcohol or drugs, popularly known as DUI. Its sibling, driving while intoxicated or DWI, is just as common. When you have done this mistake, do not be surprised to find a sudden cancellation in your insurance policy. It does not matter if you have been in the same insurance company for years. It is possible because a number States require an SR-22 insurance proof certificate. In addition, not all insurance companies have these certificates. Do not fret; it is possible to get DUI coverage. Although lots of companies do not provide DWI insurance policies, there are a few who underwrite this. For obvious reasons, DUI insurance policies are going to be a lot pricier. The advantage is that you will be allowed to drive your car once you have fulfilled the legal requirements.
After DUI conviction, insurance companies will see you as a high risk individual; this is exactly the reason why DUI insurance policies give a premium much higher in cost. The rate by which your insurance rate goes up is dependent on the State that you reside in. It can range from five years to the whole of your life. Most states require an average ten years for the DWI record to remain on your profile. This is the same span of time by which you expect to pay higher insurance premiums. It is good to know though that people can still get reduced rates as time goes by. You can avail of this if you are qualified for other benefits like safe driving. You can buy vehicles with recognized features that are deemed safe. Of course, the most important thing is to completely avoid being drunk when driving.
It is common to see after a drunk driving conviction that you will be required to obtain an SR-22 certificate from your corresponding insurance service provider. You will then be asked to take this form to the DMV to have your driver’s license reinstated. When you have accomplished this, you will have to return back to your insurance provider and then apply for an insurance policy that covers DUI for your car. Do not be surprised to see your DWI increase from 30% to 60% of what you last had. Chances are that they might be higher than that. For motorist regulators, you have just committed one of the gravest offenses possible. This very high premium should be a reminder for you even if no actual damages and injuries were made.