SR22 Form - Drunk Driving Offenders Insurance

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When a driver is caught driving under the influence of alcohol, there are different consequences he must be accountable for. One such consequence is he must file and SR22 form. While many people believe that an this form is some type of insurance policy, it is simply an actual "form" for an auto policy that drunk drivers must obtain in order to legally drive again. While the law varies from state to state, there are some states that require this type of policy be purchased after the first drunk driving incident.

An SR22 form is an actual form that must be filed with the DMV or Department of Motor Vehicles for an SR22 insurance policy. The insurance policy gets its name directly from the form, which is the same across the United States. In order for a drunk driver to have his license reinstated, he must first obtain a this form.

A SR22 essentially is a written agreement that is put in place between the DMV and a specific insurance company. The agreement states that the insurance company has provided accurate coverage for your specific needs. The agreement also states that if for any reason whatsoever, the insurance company is no longer providing your coverage, they must contact the DMV and let them know. After the DMV has received the notice, they will generally suspend the offender's license again.

Anyone who needs to obtain an SR22 form will quickly realize that insurance is not cheap. This is simply because anyone who needs a this form is considered to be a high risk. However, consumers do not pay the high price blindly. They should realize beforehand just how expensive the insurance will be.

Shopping around can help to drastically reduce the price of your policy. You can check with your local insurance companies to see how much they will charge to write such a policy. Before signing onto one specific company, you may also want to check around on the Internet and see what type of pricing you can get. The more you shop around, the better of a chance you will have in obtaining a less expensive policy.

There are several things you can do to actually lower the cost of your SR22 insurance. You can simply raise your deductible. If at all possible, try to obtain a policy with a deductible of one thousand dollars. However, is you are worried that you cannot afford a higher deductible, then you may want to set aside any money you are saving from using a lower premium deductible. While carrying an SR22 form, you can lower your actual car insurance. In order to get the lowest possible insurance you can actually lower your current coverage to the state required minimum.

This form must be obtained after a drunk driving incident. The form is put in place to simply allow the DMV to know that you promise to carry special coverage for a specific period of time. Should you discontinue the coverage, the insurance company must immediately contact the DMV and let them.

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