| If you are convicted of a DWI then you better be | | | | know about the situation. SR-22 insurance is more |
| prepared for your vehicle insurance to skyrocket. DWI | | | | expensive that regular auto insurance because of the |
| auto insurance rates are more than any other | | | | high risk involved with the driver. You can expect to be |
| classification of driver's will pay. This is because a DWI | | | | mandated by the Department of Motor Vehicles to |
| conviction classifies you as a high risk driver and you | | | | have this type of insurance for up to five years. |
| will pay more in premiums to cover that risk. If you live | | | | To make sure you keep the SR-22 insurance |
| in a state where auto insurance is optional it may not | | | | coverage after you provide proof the Department of |
| be such a big deal. However there are plenty of | | | | Motor Vehicles has your file flagged by the insurance |
| states where it is mandatory and the DWI auto | | | | company. Should you cancel the insurance policy or |
| insurance rates may be too much for you to pay. | | | | they cancel it for non-payment they will be notified and |
| You may get lucky though because may insurance | | | | your diver's license will be suspended. |
| companies only review a person's driving record every | | | | The insurance company does reserve the right to |
| three years. The fact that you have a DWI may go | | | | cancel an auto insurance policy should they find out |
| undetected for quite some time on your current policy | | | | you have a DWI. They don't have to offer the SR-22 |
| so you won't be charge more. Should you decide to | | | | coverage but many of them do because of the high |
| switch companies though for auto insurance or make | | | | amount of money they can charge for it. If the |
| any changes to your current policy your DWI will be | | | | insurance company plans to cancel your current policy |
| discovered. Many times a DWI can result in your | | | | written notice will be sent to you so you are aware of |
| request for auto insurance not being honored or your | | | | the situation. |
| current policy being canceled. | | | | According to various studies 25% of individuals with a |
| The Department of Motor Vehicles has made it harder | | | | DWI conviction never find it showing up on their driving |
| for those with DWI convictions to hide them from | | | | record. This is often due to the lack of effective |
| insurance companies though. In many states a SR-22 | | | | documenting between the legal system and the |
| form of insurance is required before the person can | | | | Department of Motor Vehicles. In other states the DWI |
| get their driver's license reinstated. This requires | | | | can be eliminated after the driver completes a |
| contacting your insurance company and letting them | | | | treatment program and a driver's education class. |