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If a breath test exceeds your state's BAC limit, get SR22 DUI insurance for license reinstatement.

SR22 DUI Insurance

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SR22 DUI Insurance

Last updated on January 18th, 2020 by

After a DUI/DWI license suspension, you’ll need to buy SR22 DUI insurance (or FR44 insurance in Florida and Virginia) to reinstate your license. You’ll have to carry this insurance for 3-5 years without interruption to continue driving legally during your suspension period. Your policy must not lapse even once, or the state will immediately suspend your license.

Every day of the year, people find themselves in a situation they never thought they would be in – 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 a great night ended in a way you didn’t expect. 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, especially if they don’t drink very often.

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 license suspension. We take our role seriously. We hope that those with a first-time DUI conviction take the opportunity of license reinstatement seriously. 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 such as 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 phone 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 certain 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, you will be required 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 certificate, which your insurance provider files with the state. You must maintain this insurance for three years in most cases. If your SR22 (or FR44) policy lapses even once, immediate license suspension will result.

Other articles about SR22 DUI insurance

See more information related to SR22 DUI insurance (FR44 insurance in Florida and Virginia) on these pages of our website:

UltraCar Insurance is licensed in 34 states to provide SR22 DUI insurance. While nothing can take the sting out of a DUI conviction, we can help reduce the stress of finding an SR22 policy at a competitive rate that complies with your state’s DUI requirements. We provide SR22 insurance for your car or motorcycle, as well as for people who don’t own a vehicle. Let us answer your questions – give us a call today!

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