How To Obtain DUI Insurance
Michalis 'BIG Mike' Kotzakolios


Defined Tag: DUI Insurance.

Introduction

Drivers who have been convicted of drunk driving or driving while intoxicated are obligated to maintain a special DUI insurance coverage. In many states, this is acknowledged by an SR-22 filing by an insurance company that writes this kind of DUI insurance policy.

Protocol

A majority of insurance companies verify your automobile record once every 36 months or when you apply for a DUI insurance policy. However at times, due to human or computer error, accidents, citations and DUI convictions manage to escape the insurer's attention or somehow do not show up on your motor vehicle record. If your insurer does unearth a conviction of your driving while intoxicated, you are likely to bear the brunt of elevated costs and face a possible policy termination or non-renewal.

There are two ways insurance companies tackle customers convicted of DUI. First, the insurance company will most likely raise your premiums and tag you a high-risk driver if it learns you have been found guilty of DUI.

Further, it is highly probable that you will have to file proof of insurance of up to five years with your state's DMV - department of motor vehicles. Your DUI insurance company will have to supply the department with an SR-22 form, which will eliminate your license suspension by providing the state with evidence of DUI insurance. An SR-22 also suggests that your insurer is required to alert the DMV if it revokes your DUI insurance policy for whatever reason.

Additionally, your insurer may terminate your DUI insurance policy mid-way or refuse to renew the policy at the end of the tenure because of your drunk-driving conviction. Your insurer will notify you explaining why your policy has been canceled, compelling you to search for another insurer while having a termination on your claims history.

In a few cases, you may need a legal representative to save your license, particularly if you are facing a court-trial or if this is your second transgression.

Hefty auto-insurance premiums

Policies vary from state-to-state and may depend on factors like how long have you been insured with the company and your past driving record. If you must find a new insurance company the odds are your premium rates will be exorbitant. The steep rise in DUI insurance premium rates represents the single major financial cost of being convicted for driving under the influence.

Conclusion

In the existing insurance market, it is almost certainly better to look for a specialist for your DUI insurance coverage, rather than continue with your standard insurance provider.

BIG Mike is a well known author, developer and Adsense expert as well as the owner of Niche Maniacs - a unique Adsense Marketing System designed to build long-term passive income streams from Adsense, YPN, Chitika and other PPC services.