SR22 DUI Insurance

Every day, people find themselves in a situation they never thought they would be – needing to find SR22 DUI insurance. Consider this scenario: It was late at night after leaving a family party. You hadn’t had much to drink, so you felt safe to drive. But then you were pulled over for a faulty tail light. The officer asked if you had been drinking. A couple of beers, you replied. Then she asked you to step out of the car and take a breathalyzer test, and a great night ended in an unexpected way. Sound familiar?

The bottom line: It’s not a good idea to drive after drinking alcohol. Each person reacts differently to the amount of alcohol they consume, which affects the results of DUI tests. And that fact is compounded if they don’t drink often or haven’t had much to eat.

Consequences of Drunk/Impaired Driving

Anyone can make a mistake when it comes to drinking and driving. The personal and financial consequences of a DUI conviction have a dramatic, negative effect on people’s lives. UltraCar Insurance helps individuals regain their driving privileges with SR22 DUI insurance after a license suspension. We take our role seriously. We hope that those with a first-time DUI conviction take the opportunity of license reinstatement seriously because reinstating your license after repeat DUI violations is progressively more challenging to obtain.

Distracted Driving and SR22 DUI Insurance

In addition to DUI laws, some states have enacted legislation concerning distracted driving. Distracted driving includes using electronic devices like cell phones while operating a motor vehicle. Studies have found that distracted driving is riskier than drunk or impaired driving. In response, the Governors Highway Safety Administration (GHSA) encourages states to adopt policies that partially or totally ban the use of cell phones while driving.

In July 2017, Washington state addressed this danger. It enacted a first-of-its-kind distracted driving law that categorizes as DUI the use of cell phones and other electronics while driving. The Washington state DUI-E law (driving under the influence of electronics) prohibits many types of cell phones and electronics use while operating a vehicle.

In some states, distracted driving is a primary motor vehicle violation that can be reported as points on a driver’s record. If points exceed a specific number, resulting in license suspension, SR22 DUI insurance may be required.

What to expect after DUI license suspension

Driving under the influence is prohibited in all 50 states. Each state has similar DUI penalties and requirements. However, some states’ laws are more strict than others. If you have a DUI or DWI conviction, your state will require you to carry SR22 DUI insurance to reinstate your driving privileges. After a mandatory suspension period, you may have to complete required courses (depending on the particular state). You’ll then obtain an insurance policy with an SR22 endorsement, which your insurance provider files with the state. You’ll have to maintain this insurance for three years in most cases. If your SR22 (or FR44) policy lapses even once, immediate license suspension will result.