I got a DUI here in Arizona and I need to get SR22 as soon as possible for me to drive again. I’m reviewing several insurance companies so I need to find out, what do I have to know about insurance companies before I go with them?

Edward

Coconino, AZ

Following a conviction for Driving Under the Influence (DUI) in the state of Arizona, you will be mandated to keep high risk insurance commonly known as SR22 insurance. SR22 for DUI is submitted for you by your car insurance company to the Department of Motor Vehicles (DMV). The filing of SR22 for DUI can be done immediately if this would be done online.

If you are in the process of selecting which insurance company to go with for your SR22 DUI, you have to consider one too many things aside from the amount you have to pay. These things include:

–the kind of insurance company you are doing business with
–availability of SR22 insurance policies in your area
–the type of coverage available for your SR22 DUI
–their guiding principle in terms of cancellation and suspension

Perhaps the most crucial thing you have to consider is their cancellation and suspension rules that are included in every policy they have. A number of insurers will terminate your policy and notify the DMV in case you’re even one day late with your premium payment. The DMV then suspends your driver’s license again until you have gotten another insurance company to cover you for SR22 DUI insurance. You have to focus on the numerous restrictions they give you with this concern.

Why does my sister have to get  SR22 auto insurance coverage? If it is because of her DUI, what happens if she fails to secure SR22 auto insurance?

Carey

Yuma, AZ

The SR22 is actually not a kind of insurance, but instead, it is a proof that a person has certain kinds of insurance based upon the financial responsibility laws in Arizona. To put it simple, it’s a form that should be filed by the auto insurance company to the Department of Motor Vehicles (DMV) and this states that the person has an auto liability insurance. Normally, this is a requirement if an insurance is given to a person who got into an accident or was convicted for a traffic violation such as DUI and cannot show financial responsibility or in some states, if a judge has mandated an SR22 for some other reasons.

In your sister’s case, she is required to get an SR22 if she has a DUI conviction in Yuma, Arizona. She needs to file the SR22 to complete the requirements of reinstating her driver’s license. If she fails to secure an SR22, she can’t have her driving privileges back and her driver’s license will be suspended again. Since she needs to file for an SR22, I suggest for her to get a free auto insurance quote from this website.

Is it true that my brother’s car insurance premiums could triple after his DUI conviction?

Mara

Arivaca, AZ

It would be possible that because your brother is convicted for DUI in Arivaca, Arizona, his auto insurance premiums could double, and in some instances, even triple. If he goes to his auto insurance company to get an SR22 form, his auto insurance provider would consider him as a “high-risk” driver and increase his insurance premiums. This is especially true if he was previously in a “preferred class” or received safe-driver discounts.

You probably know that your brother’s driving privileges are suspended for at least 30 days to one year because of his DUI conviction. Once he gets his driver’s license and privileges back, he would have to provide the licensing agency with an SR22 form, which proves that he has motor vehicle liability insurance. Under the SR22 laws, the insurance company is required to notify the licensing agency, which is the Department of Motor Vehicles, if the policy is canceled, terminated or lapses for any reason. He might be looking for an SR22 auto insurance provider right now and he can definitely get an online rate quote available from this website.

I have a DUI conviction here in Glendale, Arizona and I was required to get SR22 auto insurance. Is this another insurance policy and how will this be different from my auto insurance?

Louie

Glendale, AZ

SR22 auto insurance is not an insurance policy. It is simply a proof of insurance required by the state of Arizona for those who have had serious motor vehicle citations. In your case, you are required to file for SR22 auto insurance because of your DUI conviction in Glendale, Arizona. SR22 is just a piece of paper stating your financial responsibility, or certified proof of insurance.

In the state of Arizona, SR22 is available to those who need it by purchasing a policy with the minimum amount of liability coverage. It is exactly the same coverage as a policy without SR22 insurance. The only difference is that when your insurance company issues the SR22, it immediately contacts the Department of Motor Vehicles (DMV) whenever you cancel your policy or remove a vehicle from that policy. Essentially, the SR22 insurance allows the DMV to keep tabs on your insurance status in order to protect other motorists from potentially harmful drivers.