Misty may : I live in Florida and was charged with wet reckless driving would it mean that I would be requiring dui insurance or sr22 insurance and also be considered as a high risk driver?
Response : There are only a few states in USA that has the wet reckless driving and Florida is one. Wet reckless driving is a lesser charge than dui insurance, since with wet reckless driving, you might be driving recklessly, but the BAC ( blood alcohol count is less than) 0.08 mg. Secondly for wet reckless driving , you need not have to be involved in an accident.
Now here is the tricky part. Wet reckless driving would put in the category of high risk driver. Would you require dui insurance? Dui insurance are nothing but normal car insurance, however the dui insurance rates are much higher than the personal lines car insurance. Technically dui insurance rates are not required for wet reckless driving but basically the insurer will never disclose the rates they are charging, hence this whole hype of comparing auto insurance. I know, most people feel that the owners, like us are creating this hype just to make money. Believe me, the reality is that auto insurance rates are dynamic, each insurer has their own rating matrix, hence for you it makes complete sense in taking a moment, comparing and getting the most information.
Sr22 insurance is actually a form of proof of insurance – and this is required only if the authority inform you to need.
Wet reckless driving would be on your public driving record for 7 years and the auto insurers would consider you the high risk driver for this time. Hence you need to be on the look out for cheap auto insurance.
No need to worry, you can still get low high risk car insurance by :
1) Driving less – most insurers are rating the car insurance based on usage.
2) Go for Progressives “ Snap shot” if your driving has improved – why pay the penalty of high risk driver for 7 long years, if this was one mistake. Secondly, you can also improve your driving skills also this way.
3) Go for a car which is not high performance like a sport car.
4) Ask for all the discounts offered, check the maximum you qualify for.
5) Compare auto insurance.
Drive safe, get your car insurance quotes and enjoy.
DUI Car insurance