| Have you asked yourself what a high risk auto | | | | fines or jail time that you will be required to pay. |
| insurance company is? A high risk auto insurance | | | | Even if this is the normal proceeding, you may be |
| company is one that offers the type of insurance | | | | unsure as to whether or not you are in this |
| required for all drivers who have violations on | | | | category. If this is the case, it is advisable to get |
| their driving record, as a result of driving under | | | | a copy of your driving record. In order to get a |
| the influence of a controlled substance, having a | | | | copy of your driving record, go to the local |
| car accident while having no insurance coverage, | | | | Secretary of State office to request the proper |
| or an accumulation of minor violations, such as | | | | forms to obtain your record. To find the nearest |
| parking tickets or unpaid fines. | | | | Secretary of state office location, call |
| Why does the state require some people to be | | | | 1-800-252-8980, then while in the automated |
| sheltered by a high risk auto insurance company? | | | | system press 0 to be connected to an operator. |
| A person is considered a higher risk to other | | | | With your zip code, you will be given the nearest |
| drivers on the road, as well as themselves as a | | | | location. At the Secretary of State office you will |
| result of outstanding violations such as drunk | | | | have to request a Driving Record Abstract |
| driving, multiple violations for the same infraction, | | | | request form, a DSD DC-164 form. |
| or an accumulation of parking violations. They are | | | | If you do require high risk insurance, you may |
| then required to go through a probation period | | | | want to speak to your current insurance provider |
| after they get their license reinstated; period in | | | | to see if they are a high risk auto insurance |
| which they are required to have high risk auto | | | | company. If they are not or if you have no |
| insurance for a minimum of two or three years, | | | | insurance provider there is a couple of websites |
| depending on the state, without further infractions. | | | | can do the comparing for you among different |
| If your license has been revoked, you will most | | | | providers classified as high risk auto insurance |
| probably need this type of insurance. You will | | | | companies. Some websites has a complete list of |
| have received a letter in the mail from the state | | | | insurance providers that offer sr22 insurance. |
| detailing the reason for the suspension and any | | | | |