SR 22 Insurance
It may be funny to think of a fuzzy alien being subjected to a breathalyzer test, but beyond that, drunk driving is no laughing matter. Thousands of people every year die in car accidents involving one or more inebriated drivers, and despite all of the campaigns and all of the many ways that one can avoid driving drunk, people still do it. Perhaps the appeal to compassion for human life isn’t enough. Even if someone getting behind the wheel while tipsy admits remotely to the possibility of a car accident, most won’t confess to themselves that this possibility includes the possibility that they or someone else might get injured. And they may never even dare to think that they or someone else might get killed. After, it’s only a short trip home, right? And no one is out on the road.
That’s the thought process, and as we all know, it isn’t always justified. However, one thing that might encourage people to start driving more responsibly is the appeal to the wallet. This seems to work in many cases where simple care for their fellow human doesn’t work all by itself. What does drunk driving have to do with your check book?
The law comes down on DWI convictions very hard these days, and it takes up to five years, if not more, to recover from the results. First, there is the possibility that you might lose your license. If you don’t lose it outright, then you might have to pay the department of motor vehicles a certain amount to keep your license instated. If you do lose your license, you’re looking at thousands of dollars in fees to get it reinstated. This could have been avoided with a twenty dollar taxi ride.
One of the most costly things, though, is the DWI car insurance. If you get arrested for driving under the influence, then in many cases, your car insurance company will cancel your policy right away. That’s even before you are convicted. If you turn out to be innocent, then you might be able to get your policy renewed, but that in itself is a difficult process. For people who actually get DUI convictions, the drunk driving car insurance costs are much steeper.
They will have to get SR 22 auto insurance. Not all companies offer SR 22 auto insurance, to begin with. Having this type of car insurance places you in a high risk driving group, so it is very possible that you will have to take out a policy from a insurance company that specializes in insuring people in high risk groups and, failing that, you will have to join your state insurance risk pool. Either way, you’ll be paying a lot more money just by switching to these companies, even if you didn’t have the DWI on your record.
But once you factor in the DWI, your rates go up significantly. You remember how much you had to pay in college? It’s like that. And if you still are in the under-25 driving group, your prices will be phenomenal. You’ll also likely be required to have proof of insurance for a certain amount of time in order to keep your driver’s license, which is where the SR 22 insurance comes in. SR 22 insurance is a form that your car insurance company files with the department of motor vehicles. Depending on what company you’re with, you might be able to get this form over their website, or they could mail it straight to you. Most companies will file the SR-22 form with the department first, and then later send you your own copy. Once you have it, all you have to do is provide it to the office where you get your license, and you’re good to go.
Cheers,
Fashun Guadarrama.
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