Auto insurance is necessary for any driver. Every U.S. state requires drivers to carry liability or full coverage insurance, meaning you can’t legally drive without having some insurance coverage. Obtaining car insurance as a driver with a clean driving record is usually straightforward. However, car insurance becomes trickier if you have a checkered driving history.
Not every traffic violation holds the same weight; however, each one affects your driving record. Getting a few tickets for speeding will impact your driving record, but more severe violations will complicate things.
Sometimes people mistakenly believe filing an SR-22 eliminates the need to carry auto insurance. But that’s not how it works. After a license suspension, drivers must file an SR-22 certificate with the DMV before they can reinstate their license. Your insurance provider files the SR-22 on your behalf, verifying that you meet your state’s necessary insurance coverage.
Most states require drivers to file an SR-22 certification for license reinstatement following a DUI conviction. Florida and Virginia are exceptions because they have the FR-44 certificate specifically for DUI convictions. While getting an SR-22 filing isn’t very challenging, you must prepare to pay higher insurance premiums.
How Can You Get Your Driving Privileges Back?
The courts will usually assign specific penalties and fines that the offender must satisfy for license reinstatement. These generally include completing community service, jail time, and a period of mandatory license suspension. The court may also require an individual to install an interlock ignition device and buy SR-22 insurance (or FR-44 insurance in Florida and Virginia).
You’ll want to check with your insurance provider to see if they offer SR-22 insurance. You’ll need to get SR-22 or FR-44 insurance from another insurance provider if they don’t. UltraCar Insurance provides SR-22 insurance in 34 states and FR-44 insurance in Florida and Virginia.
Once you’ve obtained the SR-22 insurance, your provider must file the certificate with your state’s DMV. Installing an ignition interlock device from a state-approved provider and submitting an SR-22 or FR-44 certification will help you regain driving privileges.
How Long Do You Have to Pay for SR-22 Insurance?
The states generally have similar requirements for buying and maintaining SR-22 insurance. Most states require SR-22 coverage for three years, but sometimes that time may extend to five years. The court will clarify each person’s license reinstatement requirements at sentencing.
When Does Your Record Get Expunged?
Getting your record expunged takes time. It means that potential employers or landlords cannot consider the conviction. Likewise, it also means the conviction will be removed from your record.
Expungement means potential employers or landlords cannot have access to or consider the conviction. Likewise, the state will remove the conviction from your record. Getting your record expunged takes time.
States have different requirements for expungement. Some states will allow expungement after a specific timeframe, while others allow expungement after your probation period is over.
States have varying requirements for expungement. Some states allow expungement within a specific time frame; others after your probation period ends.
Get SR-22 or FR-44 Insurance from UltraCar Insurance
Are you searching for SR-22 or FR-44 insurance? UltraCar Insurance has you covered. We’re a leading SR-22 FR-44 Insurance provider Florida. We also provide Non Owner FR-44 Insurance Florida and Non Owner SR22 Insurance Florida. Visit our website to learn more. Alternatively, start your quote with us today.
This article was last updated on August 11th, 2022 by UltraCar Insurance