Why Do I Need SR-22 Insurance after a DUI?

By December 14, 2016Thomas Law Firm

If you are a Colorado resident who has lost your license due to charges of driving under the influence (DUI) of drugs or alcohol, you will be required by the Colorado Department of Motor Vehicles to obtain proof of auto insurance. This proof is known as an SR-22. An SR-22 is a certificate verifying that you are maintaining your insurance following a license revocation, not an insurance policy itself.

To obtain an SR-22, you should contact your auto insurance company. SR-22s are relatively inexpensive – however, due to the DUI charges, your insurance rates will likely go up. Requesting an SR-22 gives your insurance provider a reason to investigate further into your driver history, where they will discover your DUI and adjust your rates to reflect the perceived risk of covering you.

You must maintain your SR-22 for a certain time period, usually up to three years. If at any point you allow your policy to lapse or you cancel your insurance, your insurance company is required to notify the DMV, who will revoke or suspend your license once more.

Do I Need an SR-22 If I Do Not Own a Vehicle?

Some people charged with DUI do not actually own vehicles. However, even if you don’t have a car, you will still be required to maintain an SR-22 if you wish to have your driver’s license reinstated. In these situations, you should shop around for non-owner’s car insurance policies. This way, you will have proof of insurance should you decide to drive another person’s vehicle.

Denver DUI attorneys assisting those charged with impaired driving offenses throughout Colorado.

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