Reader’s Question:

My brother was being asked to submit a SR22 form by his insurance company after finding out that he was charged with DUI in Palm Beach, Florida. What is the SR22 form all about and what could the effects on his insurance?

Matthew

Palm Beach, FL

Getting a car insurance after being charged with drunk driving or DUI can be a pretty challenging task that requires resourcefulness and considerable amount of knowledge. Major car insurance carriers do not give coverage for DUI convicted individuals. If there may be some companies that do, it is expected to cost you a hefty amount. Well, it may sound unfair for first time DUI offenders. But that is how most insurance carriers in Palm Beach, Florida calculate their premiums. It is based on the risk factor of every claim. These insurance companies also require a review of your previous driving history as well as your credit report to ensure that you are financially stable to continue the policy. They may also even check out for your claims history report. They combine all these information to create an “insurance score” which is almost the same as what credit bureaus do with a credit score. Let’s say you got arrested and convicted for DUI. You will be required to provide an SR22 form from the DMV. This is already considered to be a proof or evidence of insurance which is required to get a restricted license. It also informs the DMV that car insurance company has issued at least a minimum liability coverage for the person filing the form.

I also had experienced that dilemma when I was charged for DUI in Palm Beach, Florida and eventually got acquitted. If your brother was not yet convicted, I suggest that you seek legal advice with a good DUI lawyer. You can also check on available post DUI insurance rates from this site.

Tags: car insurance, DUI, DUI insurance, DUI lawyer, SR22 insurance