SR22 Insurance the Real Truth
When a person convicted of a drunk driving charge goes to the DMV office to have their driver’s license reinstated, they will need to file an SR22 with the DMV in order to have their license reinstated. And the SR22 insurance will need to be maintained for a period of 3 years without a lapse in coverage.
Nothing ground breaking about that statement, any one of 100 other websites will tell you the same thing, but what other sites don’t tell you is that your insurance rates are going to remain high even after the 3 years of SR22 insurance coverage.
Take for instance California; the statute of limitations in California as it pertains to your driving record is 10 years. That means that for a period of 7 years beyond the SR22 filing period, you will be facing increased insurance rates because your DUI will still be showing up on your driving record.
Insurance companies typically check a person’s driving record every 12 months in order to establish their insurance rates for the following 12-month period. It is not uncommon for someone to end up paying up twice as much for insurance coverage during this 7-year period as they had before their DUI conviction.