Where To Get SR22 Auto Insurance In New Jersey
Reader’s Question:
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.
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