If you are convicted of a DUI, you will be required by state law to add a SR-22 or a FR-44 certificate to your car insurance. In Virginia and Florida a FR-44 is required and in all the other states a SR-22 is required. Both forms of additional car insurance will have to be filed with the Division of Motor Vehicles prior to the offender being able to obtain a hard copy of his restricted license from DMV. The additonal insurance must be provided for every vehicle registered in the DUI offender's name.
The SR-22 is a certificate that is added to your exisitng car insurance. This is a liability form of insurance. This type of coverage is designed to provide higher limits on bodily Injury, death of one or more persons, and property damage. The offender is required to carry the higher limits becasue he is now viewed as a higher risk to everyone else on the road. The certificate will show the additional coverage as 20/40/15. This means coverage of $20,000 for one person killed or injured, $40,000 for two or more persons killed or injured, and $15,000 for damaged property. The FR-44 in Virginia is similar in nature to the SR-22 except that the coverage limits are higher, 50/100/40. In Florida the FR-44 coverage limits are higher are higher than Virginia's limits, 100/300/50.
I have always heard that a DUI will cause your car insurance premiums to skyrocket. The fact is that the SR-22 coverage adds very little to your insurance premiums and some insurance companies will provide this additional coverage for free. The additional cost of the FR-44 is $15 to $25 depending whether you are in Virginia or Florida. Your current insurance company may raise your premiums or even cancel your insurance all together because of your DUI. My former insurance provider had been providing me car insurance to for over 20 years and I had a very clean driving record up until the DUI. I received a letter from my insurance company shortly after my DUI conviction stating that my my car insuarnce would be cancelled on all my vehicles. I did some shopping a
around and found insurance coverage that was less expensive than what I was paying even with the added FR-44. My best advice is for you to start calling insurance companies now and start getting quotes on your car insurance. In a matter of hours you can have a new policy in place for all your vehicles. The SR-22 is a certificate that is added to your exisitng car insurance. This is a liability form of insurance. This type of coverage is designed to provide higher limits on bodily Injury, death of one or more persons, and property damage. The offender is required to carry the higher limits becasue he is now viewed as a higher risk to everyone else on the road. The certificate will show the additional coverage as 20/40/15. This means coverage of $20,000 for one person killed or injured, $40,000 for two or more persons killed or injured, and $15,000 for damaged property. The FR-44 in Virginia is similar in nature to the SR-22 except that the coverage limits are higher, 50/100/40. In Florida the FR-44 coverage limits are higher are higher than Virginia's limits, 100/300/50.
I have always heard that a DUI will cause your car insurance premiums to skyrocket. The fact is that the SR-22 coverage adds very little to your insurance premiums and some insurance companies will provide this additional coverage for free. The additional cost of the FR-44 is $15 to $25 depending whether you are in Virginia or Florida. Your current insurance company may raise your premiums or even cancel your insurance all together because of your DUI. My former insurance provider had been providing me car insurance to for over 20 years and I had a very clean driving record up until the DUI. I received a letter from my insurance company shortly after my DUI conviction stating that my my car insuarnce would be cancelled on all my vehicles. I did some shopping a
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