THURSDAY, JANUARY 12, 2023
Your driving privileges will most likely be suspended if you’re convicted of driving under the influence (DUI). They may be reinstated depending on your circumstances. If you are eligible for reinstatement, you must file an SR-22 form with the Department of Motor Vehicles (DMV).
How to File SR-22 
The SR-22 form is proof of financial responsibility. It indicates that you have at least the minimum liability insurance coverage required by Florida laws. There’s no official type of insurance for people with DUI convictions, but your policy must meet the state’s guidelines for minimum insurance amounts.
Contact your agent or insurance company immediately if you are ordered to file SR-22. Your insurer files the SR-22 form on your behalf.
Florida drivers must have auto insurance that meets the state’s minimum limits for the following coverage types:
- Personal injury protection (PIP) can help cover accident-related medical bills for the insured person, no matter who was at fault.
- Bodily injury liability can help cover the driver’s legal liability for third-party injuries.
- Property damage liability can help cover the driver’s legal liability for third-party property damage.
Vehicles with a loan or lease must also have full coverage insurance. Lienholders may require the following coverages:
- Comprehensive and collision coverage may help pay to repair or replace the vehicle after a covered accident or incident.
- Gap insurance may help pay the difference between the loan or lease payoff and the insurer’s settlement if the vehicle is a total loss after a covered accident.
How to Get Insurance After a DUI Conviction in Florida
If you’ve been convicted of a DUI, you must have auto insurance that meets Florida’s minimum liability requirements before you are eligible to have your license reinstated; however, it may be more difficult to get insured.
Drivers convicted of a DUI are typically considered high-risk drivers by insurance companies. You may pay more for auto insurance after a DUI conviction, so it’s crucial to shop around for the best combination of price and coverage.
Contact Us
Some insurance companies won’t issue policies to those convicted of serious driving offenses. Agents specializing in high-risk auto insurance can help you get the coverage you need from a reputable insurer. Contact the Gene Smith Insurance Agency serving Zephyrhills and Dade City, Florida, to get the auto coverage you need at a great rate.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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