What about Dui Car Insurance?

Dui insurance is a major concern for those convicted of drunk driving under the influence. In order to get your license back, or to obtain a restricted licence, you will be required to show a proof of DUI auto insurance.

To satisfy this requirement for DUI car insurance you need to get something called form SR-22. It is a standard DMV form that needs to be filled out and authorized by your insurance company to confirm that you do indeed carry DUI auto insurance.

You have to have proof of DUI auto insurance in the form of SR-22 for at least 3 years. Once you've obtained SR22, it will remain valid as a proof of DUI auto insurance for the next three years, unless you or the insurance company cancel your policy. You do not need to worry about re-filling SR22 as long as you dui insurance policy is active. However if for some reason the insurance is discontinued, the company is mandated to notify the Department of Motor Vehicles. You will then get a notice from DMV stating that you need to fill another DUI car Insurance proof by a given date, or you will lose your license.

Beware that the price of your dui insurance premium will be higher; however do not believe horror stories about the premium going up 10-fold because of a DUI. Typically, the rate will increase by 50%. If your insurance company is quoting more, shop around and save some money!

How will the premium for a dui insurance be computed? Many factors are involved, most importantly driving record. There are six major areas of dui insurance coverage. Each category has its own price. Think of them as separate dui car insurance policies, and decide which ones you need.

The most important category of dui car insurance is Bodily Injury Liability Insurance. Most states require you to have this type of coverage, especially after you've had a DUI. This category of DUI car insurance offers coverage if someone gets injured or killed as a result of an accident you caused.

Medical Payments or Personal Injury Protection is good coverage to have, but not mandated by law. This type of DUI insurance covers ther treatment of injuries to the driver and co-passengers of your car.

Collision - This DUI car insurance covers damage to your car as result of a collision. The accident could be with another car, a concrete wall etc.

Property Damage Liability is not required by law- This DUI insurance pays for the damages when you smash up someone else's property. Typically the damaged property is someone else's car, but it could also cover buildings, utility poles, or whatever else you ran into.

Comprehensive - This type of dui auto insurance is offered if your car gets damaged in ways that do not involve an accident. The coverage includes: theft, flood, fire, earthquake, falling objects, explosion, riots etc. This is usually a costly insurance to have, especially for newer and popular to steal cars.

Uninsured Motorist Coverage - This DUI car insurance covers for your injuries in case you are hit by a driver without insurance.

Age Factor also computes into your DUI insurance premium. Insurance companies take it to indicate the level of your driving experience. There is a greater probability that your premiums rate will be high, if you have less driving experience. Once you cross thirty, the premium reduces.