Dui San Diego: What You Can Do About It

2007-03-08 10:33:40

( Insurance )



Most motor vehicle insurance companies do not see the need to scrutinize your motor vehicle records, except for once every couple of years or when you apply for a new policy. It is also for this reason that most motor vehicle records are devoid of accidents, tickets or drunk-driving reports. But a driving under the influence or dui san diego conviction however, is an entirely different matter. When exposed, a dui conviction can result in either your motor vehicle policy cancellation, higher insurance premiums or non renewal.

However, there is good news. If you are a driver with a dui san diego conviction, you are required under the law to maintain a special dui insurance coverage. Insurance companies that offer this type of coverage in various areas nationwide put this on record. This process requires you to file a proof of insurance called an SR-22, for three to five years with your local state motor vehicle department. Your insurance company will in turn provide the motor vehicle department with a form, which lifts the suspension on your license, by showing proof of your dui san diego insurance. This also means that your insurance company will have to notify the motor vehicle department if your dui insurance is cancelled for any reason.

Filing a dui insurance is not that difficult considering a state law which requires DUI convicts to get an SR-22 from their insurance company. There is also the probability that your insurance company may terminate your policy at the end of the term because of your conviction. Still other state laws do not permit insurance companies to terminate your policy in the middle of term due to a dui. Be sure you are familiar with dui san diego, los angeles dui, maryland dui, dui in california or whichever local dui state law is applicable depending on your location.

Once convicted however, getting a dui insurance is a better option than remaining with current insurance carrier. This could possibly benefit you because your insurance company may never find out about your conviction if you don't get an SR-22. Statistics show that as many as a fourth of all driving convictions do not end up on motor vehicle records due to the lack of pooled information between motor vehicle departments and courts. A conviction record can also be deleted through other options like driving school. However, if your license is suspended for a limited time only or your dui conviction is reduced in a plea bargain, the chances that your insurance company will know about your conviction are slim.


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