Driving under the influence of alcohol (DUI) is a serious offense, and will result in a suspension of your driver's license. In order to reinstate your license when your suspension is over, you have to be able to show proof that you have a car insurance policy that satisfies your state's minimum liability coverage. Here in Texas, this means you deliver an SR-22 proof of insurance form to your department of motor vehicles so the agency can verify you are legally insured before giving you your license.
Finding an insurance company that will cover you after a DUI and enable you to present an SR-22 form that will allow you to get your license back can be a challenge. Finding insurance after a DUI is not impossible, but it is very difficult. You will have to seek out an insurance company that specialized in SR-22s and other high-risk type auto insurance coverage; perhaps they will offer an option like liability-only auto insurance.
Once you have a DUI arrest on your record you are considered the highest of high-risk drivers in the insurance marketplace. Insurance companies in the state of Texas have the option to immediately terminate your policy after your DUI arrest and if they don't choose that option they are able to refuse to renew your policy the next time it comes up. When traditional policies are renewed after a DUI arrest, they are very expensive and offer only the bare minimum coverage at the highest premium rates. Each insurance company handles DUIs differently, so its important to be in quick contact with yours after a DUI arrest to find out what your insurance situation will be.
This process is unavoidable because you will not be able to get your driver's license reinstated without an SR-22 insurance form provided by a car insurance company that verifies you have a valid car insurance policy. An SR-22 insurance form is a necessary document completed by your car insurance company that details your financial responsibility and insurance liability and serves as proof of insurance for high-risk car insurance drivers.
After you have your SR-22 insurance form verifying a valid policy, you are required to take the SR-22 option insurance form to your local DMV before the agency will reinstate your driver's license. Be sure to discuss your SR-22 insurance forms with your insurance company so they provide you with the paperwork you need to get your license reinstated.
Not all insurance companies have auto insurance options for drivers with a DUI on their record. If your Texas auto insurance is cancelled as a result of a DUI conviction then it is unlikely that that insurance company will be willing to cover you again or work with you to complete a necessary SR-22 form. At this point you can shop around some non-traditional insurance options. Look especially for companies who specialize in SR-22s or who have liability-only insurance options.
If your policy is properly canceled or non-renewed, you will still be able to find car insurance by shopping for a new car insurance policy. Regardless of what new carrier you find, you rates will most certainly be higher because you are now a high-risk driver to insurance companies. When shopping for new insurance that will provide adequate coverage after your DUI conviction, which means they will cover you completely and work with you on your SR-22, you should be sure to shop around and find the best fit for your particular situation.
Finding an insurance company that will cover you after a DUI and enable you to present an SR-22 form that will allow you to get your license back can be a challenge. Finding insurance after a DUI is not impossible, but it is very difficult. You will have to seek out an insurance company that specialized in SR-22s and other high-risk type auto insurance coverage; perhaps they will offer an option like liability-only auto insurance.
Once you have a DUI arrest on your record you are considered the highest of high-risk drivers in the insurance marketplace. Insurance companies in the state of Texas have the option to immediately terminate your policy after your DUI arrest and if they don't choose that option they are able to refuse to renew your policy the next time it comes up. When traditional policies are renewed after a DUI arrest, they are very expensive and offer only the bare minimum coverage at the highest premium rates. Each insurance company handles DUIs differently, so its important to be in quick contact with yours after a DUI arrest to find out what your insurance situation will be.
This process is unavoidable because you will not be able to get your driver's license reinstated without an SR-22 insurance form provided by a car insurance company that verifies you have a valid car insurance policy. An SR-22 insurance form is a necessary document completed by your car insurance company that details your financial responsibility and insurance liability and serves as proof of insurance for high-risk car insurance drivers.
After you have your SR-22 insurance form verifying a valid policy, you are required to take the SR-22 option insurance form to your local DMV before the agency will reinstate your driver's license. Be sure to discuss your SR-22 insurance forms with your insurance company so they provide you with the paperwork you need to get your license reinstated.
Not all insurance companies have auto insurance options for drivers with a DUI on their record. If your Texas auto insurance is cancelled as a result of a DUI conviction then it is unlikely that that insurance company will be willing to cover you again or work with you to complete a necessary SR-22 form. At this point you can shop around some non-traditional insurance options. Look especially for companies who specialize in SR-22s or who have liability-only insurance options.
If your policy is properly canceled or non-renewed, you will still be able to find car insurance by shopping for a new car insurance policy. Regardless of what new carrier you find, you rates will most certainly be higher because you are now a high-risk driver to insurance companies. When shopping for new insurance that will provide adequate coverage after your DUI conviction, which means they will cover you completely and work with you on your SR-22, you should be sure to shop around and find the best fit for your particular situation.
About the Author:
If you have a DUI on your record, there are still options available. Dillo Insurance covers drivers with a DUI or DWI on their record and provides cheap Texas auto insurance and no credit check auto insurance regardless of your past driving record. If you've been dropped by your current company or are buying insurance for the first time, Dillo offers affordable options for a substandard driving record.
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