I have a DUI/DWI what are my Car Insurance Options?

Answer:
You will likely either receive a non-renewal from your insurance

which means they will not renew your policy or you will see higher insurance premiums because you have become an extremely high risk to insure.

If you are convicted of drunk driving or driving under the influence, you will likely have your license suspended as a result. Before you can get it reinstated, you will need to find an insurance company willing to provide you with a SR-22 insurance policy even if you won’t be driving (in which case you will get a non-owners liability policy). SR-22 is a special requirement for those with drunk driving convictions, license suspensions, or those needing to show proof of financial responsibility. The insurance company issues the SR-22 certificate which serves as proof that you are insured. This certificate is filed with the DMV for a specified time period.

Because you are a high risk driver, your options may be limited as far as finding an insurance company to take you on though many companies specialize in high risk drivers. Expect to pay a premium on your premiums.


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