| We all know that when we are given a speeding | | | | insurance companies. Considering that this form is |
| ticket or get into a car accident our insurance | | | | required after a traffic offense conviction, this |
| rates will go up. A DWI or DUI conviction works in | | | | might not be completely off the mark. |
| the same way except has a larger effect on the | | | | Once an individual is a high-risk driver, he or she |
| rates a person is charged. An individual that is | | | | can expect the insurance premiums paid to |
| convicted of a DWI or DUI can expect their | | | | possibly double, maybe even triple. If a person |
| pocketbook to take a hard hit from insurance | | | | had previous discounts for a safe driving record |
| rates, on top of the fines and penalties imposed | | | | and no claims on their insurance, the increase in |
| by the state. | | | | insurance premiums can be even worse. |
| Before an individual that has been convicted of a | | | | An individual who has been convicted of a DWI or |
| DWI can get his or her license back, the driver is | | | | DUI (the term depends on the state) may find it |
| required to show an SR-22 form. This is not a | | | | quite beneficial to shop around for the best rates |
| type of insurance as much as proof that a driver | | | | possible. There are a variety of insurance |
| has the various types of insurance required by | | | | companies that specialize in providing high-risk |
| the state. The SR-22 is filed by an insurance | | | | policies. Another option is to insure one vehicle on |
| company and states that the driver in question | | | | a high-risk policy and put all other vehicles and |
| has auto liability insurance and it is in effect. This | | | | drivers on a different policy. |
| procedure is frequently required when insurance is | | | | It is important to remember that not all insurance |
| provided to an individual who was in an accident | | | | companies will provide insurance after a DWI |
| or was convicted of a traffic offense and was | | | | conviction and they will not provide the SR-22 |
| unable to show financial responsibility at the time | | | | form. When a driver is convicted of a DWI, if the |
| of the offense. | | | | insurance company does not provide SR-22 |
| The majority of auto insurance carriers will be | | | | forms, there is a good chance that the company |
| able to provide an SR-22 form and may be able | | | | will cancel or not renew the convicted driver's |
| to insure your vehicle(s) as well. Unfortunately, the | | | | current policy. A cancellation on a person's claims |
| minute a person requests an SR-22 form, he or | | | | history will drive up the price of future premiums. |
| she is considered a high-risk driver by the | | | | |