Reader’s Question:

I was convicted for DUI here in Indiana and was told by a friend that my car insurance would likely go up and that I need to file SR22 insurance. What is an SR22 and what is the reason behind my increase?

Josh

South Bend, IN

If you were convicted of DUI in Indiana, don’t be too much surprised that your auto insurance would likely go up. The reason behind it is that you are already being considered as a high risk driver. You have just become a major risk and concern the auto insurance companies in general and they all do not offer DUI car insurance.

Most likely, you would be dropped from your current carrier and you must begin the search for new coverage. If they retain you and they are willing to keep you on board, you will find out that it’s because of an enormous rate hike, which is just another reason to begin the search to find a better deal if that’s even possible.

An SR22 is a form that you need to file so that your license could be reinstated. SR22 form provides proof that people convicted with DUI or the so-called high risk drivers have obtained auto insurance that meets minimum liability requirements. It also makes sure your auto insurance company will let the Department of Motor Vehicles know if your policy lapses - and that’s for any reason. This SR22 normally lasts for three years.

Most auto insurance carriers do not normally offer SR22 insurance fillings for DUI offenders. You should begin you search for insurance companies who handle high-risk or non-standard policies.