Frank Kern : What if my auto insurance policy is cancelled beacuse of DUI or drunk driving?

Drunk driving is considered high risk insurance
Response : Frank, unfortunately this is a harsh reality, but it is the truth that personal auto insurance underwriters do cancel the auto insurance policy if there is a case of drunk driving. In fact this is written in the conditions portion of your policy wordings which clearly states the conditions under which the insurer has the right to cancel the policy. The general insurance company has a right to cancel your policy since as per them the driver is one of the main consideration or factor for undertaking the risk and hence when this condition changes, they can cancel your policy.

Secondly, it is your reponsibility to inform the insurance company as soon as you are involved in an incident of drunk driving since if you do not inform them it is considered misrepresentation and even if you meet with an accident at a later date your insurance company can and will deny the claim on grounds of misrepresentation.

Now, comming to the solution if your auto insurance policy is cancelled because of DUI is that you can still be insured by the speciality companies who insure high risk drivers like you and provide affordable dui or affordable sr22 insurance, which is a second requirement in most cases. You can compare the auto insurance quote online and get cheap sr22 insurance or cheap dui insurance.

Thanks.
Kamlesh.

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Sean Kingston: Oklahoma: How do I lower my quote for SR22 car insurance in Oklahoma? Obviously I have been convicted of DUI and my SR22 auto insurance quote is very high? Any suggestion or help would be welcomed.

Response: Sean, I understand the problems that you are facing. You are naturally trying to get out of a fix and paying dearly for a mistake of DUI driving. Expense need to be watched at any time and in this economic crisis they seem to be even bigger.

First let me give you a tip that you should not go for auto insurance coverage which are less than the minimum limits for the state and in fact take higher limits since you can certainly not endure any higher financial liability, in case you are involved in an accident. It is advisable not to compromise on the coverage just for a few dollars of cost.
Here are a few ways you can reduce your cost of SR22 auto insurance:
1) Go for a higher deductible: If you’re deductible is higher than the cost of auto insurance premium is reduced.
2) improve your credit rating: If you have credit rating points higher than 650 than you will be eligible for a cheaper SR22 auto insurance quote.
3) Get an ignition steering lock installed. This will prevent you from driving when you are drunk.
4) Go for defensive driving classes. This would ensure that you would not fall under the aggressive driver risk category.
5) Take up rehabilitation course for reducing your alcohol. As long as you are not able to overcome this, chances of drunken driving convictions would not be reduced.
6) Shop around for cheap Sr22 car insurance quote. Online you will find the best insurance deals. You will be surprised how much you can save.

Your aim should be to slowly move to the standard driver category so that you can get auto insurance quote from the personal insurers instead of the specialty insurer who give better and cheaper SR22 car insurance rates.

OKLAHAMA AUTO INSURANCE LIMITS:
Minimum Legal Requirements:
•Minimum injury liability for one person in an accident: $10,000
•Minimum injury liability for all injuries in an accident: $20,000
•Minimum liability for property damage in an accident: $10,000
•Personal injury protection (PIP) required? NO
•Uninsured motorist insurance coverage required? NO
•No Fault State? NO
Thanks.
Kamlesh Desai

Robert : Austin : How do I get my license back in case I have been held for DUI ?

Response : If you are arrested  a traffic violation of driving under influence which is a criminal offence than you can get a restricted license and you have to do the following :

• Enroll yourself in an approved DUI program and show this proof.
• Obtain SR22 from the insurance company which is proof of financial responsibility.
• Pay the re-issuance fees to your state licensing authority (DMV, DPS, DOL)

The procedure and the regulations for this will depend upon the state and also the local customs which will differ from state to state. Normally, for the first offence you may have to pay a fine, a license suspension or restriction or attend a DUI education course for a given period of time. The SR22 needs to be maintained for 3 years.

For the second offence besides the above conditions you will certainly be sentenced to jail for a short time. Additional punishment may include community service, ignition interlock AA meetings and/or impounding of the car.

You can select your insurer for SR22 after you have finished the DUI education course. The insurance premium will be high and so you can go  for DUISR22  car insurance quote online and find the cheapest insurance. Check out now.