I Have Been Charged With DUI and Need SR22 Auto Insurance

Reader’s Question:

I have been charged with DUI and I need to get SR 22. What is this and how can I get one?

Chris

Los Angeles, CA

SR 22 is a type of certification from a vehicle insurance company issued to your state’s motor vehicle department. This attests that you, as a holder of the SR 22 auto insurance, has the minimum auto insurance coverage as required by the state. SR 22 auto insurance is given to those who have been arrested for DUI and other major traffic violations.

SR 22 auto insurance is actually not a type of insurance policy. This is more of a certification from an insurer, and most insurance companies do not provide this to drivers since this is only given to high-risk motorists. Since it is high risk, auto insurance companies charge hefty premiums to holders of SR 22. You will be dealing with expensive premiums for the next 3 years, since you have to carry your SR 22 for the said amount of time.

You need to carry around your SR 22 every time you drive your car. In case you don’t own one, you have to get a non owner SR 22 insurance. You need to be cautious of the expiration of your SR 22 since you will get into more troubles if you driver with a lapsed SR 22.