I don’t usually drive to work but I need to drive for work since I drive a delivery truck. I got a DUI here in New Jersey and the state law required me SR22. What I don’t get is, I just drive for work, and how does the required insurance affects me since I don’t drive my own car? Am I not covered by the insurance coverage of my employer’s truck?

Jimmy

Irvington, NJ

New Jersey is a state that requires SR22, since you have been convicted of DUI then you should have DUI SR22 insurance. SR22 is a certificate that proves your financial responsibility. SR22 is only required by the Department of Motor Vehicles if you have for example failed to provide a proof to DMV that you have liability insurance. Another thing that SR22 is required is when you have been involved in an uninsured accident or you are reinstating your driving privileges following a DUI suspension. Be sure not to drive until an SR22 is filed to DMV especially when your driving privileges are suspended because you failed to get SR22 and got insurance after.

Your situation is different since you were not driving your own car when you had a DUI conviction. You are entitled to get SR22 Insurance for non-owners policy, the car you are driving may have an insurance coverage but this does not protect you. The SR22 insurance for non-owners protects you and the people who are harmed with an accident you had caused but not the vehicle. More often than not, only those people who have violations on the road or those who are in doubt if they can be responsible on the road are required to get SR22. DUI is one violation that can make your driving privileges suspended that you have to get SR22 insurance.

I have a DWI charge here in New Jersey and one of my main concerns is my car insurance. Is it true that a car insurance policy with SR22 insurance coverage means that I would have to pay higher premiums?

Helen

Newark, NJ

Yes, it’s true that after your DWI charge in Newark, New Jersey, I’m sure that you will soon realize that since you have to obtain an SR22 car insurance, your premium rate would not be cheap. The reason for this is simply because anyone who needs SR22 car insurance is said to be considered a high risk driver. But consumers don’t pay the high price blindly because they must realize beforehand just how expensive the car insurance would be.

Shopping around could probably help to reduce drastically the price of your car insurance policy. You could definitely check with your local insurance companies to see how much they would charge to provide you a car insurance policy with SR22 car insurance coverage. But before accepting or signing onto one specific insurance company, you might also want to check around on the Internet and see what type of pricing you could get. The more that you shop around, the better of a chance that you would have in obtaining a less expensive car insurance policy with SR22 insurance coverage. I’m sure that you could definitely get a low premium rate for SR22 car insurance if you start your search by getting an online rate quote available from this website.

For the most part, I can say that I lead a good life. Except of course, for a DUI in my record. I was convicted for DUI here in New Jersey. I am about to get my license back so I really need to file an SR22 insurance. Can my auto insurance company provide this for me?

Ray

Newark, New Jersey
Almost everything in your life will be affected after your DUI conviction in New Jersey. That would include your auto insurance. In fact, you will be classified as ‘high risk’. The first major impact you’ll see with regard to your insurance will be the mandatory requirement that you carry with your DUI conviction. That is being referred to as SR22 insurance policy.

If you need to get or license back, you have to file SR22 insurance as a proof of financial responsibility. This would be the highest risk policy an auto insurance company can cover. Not all insurance companies offer this type of auto insurance. If your insurance company offers this, they most likely charge you twice or even more if they find out about your DUI conviction. Worse thing that would happen is that they might cancel you.

If that happens, you would have to seek out smaller insurance companies that specialize in these types of policies. These smaller insurance companies are set up specifically to provide high risk coverage and charge as you could have guessed a bit more for their services.

You would have to remember that in getting auto insurance after a DUI conviction, there are no laws in effect that regulate the premiums that are charged. This means that every insurance company is free to charge whatever prices they want in order to issue you one of these high risk SR22 insurance policies.