DUI and SR-22 Insurance California CA

Reader’s Question:

I am a 27 year old office worker from San Francisco who has unfortunately been charged with driving under the influence of alcohol. What consequences will affect my vehicle insurance because of this unfortunate event?

Raymond

San Francisco, CA

Well, Raymond, first of all, you have to be thankful that you are all in one piece and were caught before you are able to do damage to yourself and your car. Coming from someone who lost a friend to DUI, I consider the loss of car insurance a very minor matter.

Anyway, it really depends on the auto insurance company. I cannot guarantee what the penalty will be. The worst case scenario is that you will lose your coverage, but because of the DUI charge, it’s not the only thing you will have to part with. You also lose your license, which weighs heavier in terms of punishment. In some cases, if it’s your first offense, your premium will be increased to torturous levels, so you might as well cancel your auto insurance coverage and ride a donkey.

Living in San Francisco, California law dictates that you should get an sr22 insurance policy from the car insurance company. Being convicted of DUI will make you a bad person (a very bad person, indeed!), and therefore you can kiss the dreams of a reduced auto insurance premium good-bye.

As I’ve said, different companies will treat your case differently, but if ever your auto insurance is terminated, what will happen is that your car registration will be also affected if you do not have a new car insurance policy in about one and a half months. Since this will be your first time, your license will be revoked for six months.

If, for example, you get convicted for your fourth DUI, you will be considered a habitual traffic offender, and it will be quite difficult to get your license back since you will go through a lot of processes that is often compared to having to put a rope into the eye of a needle.

So, good luck and please stay sober.

Tags: auto insurance policy, drunk driving insurance, DUI, sr22 car insurance, sr22 insurance