An SR22 is a form that some states require citizens to have on file after a DUI or DWI. This form states that the citizen guarantees that he or she will carry liability insurance before going out on the road. Minnesota is not one of the states that require this form, but that does not mean you shouldn’t know about it. You may come across the need for it in the future if you move to another state. Here is an overview of this policy and the forms involved with it so you can be prepared if you ever need SR22 insurance.
What Is SR22 Insurance?
If you live in a state that requires SR22 forms for high risk drivers, you will have to get your insurance company to verify the fact that you are carrying liability coverage on your vehicle. If you ever default on your policy, the insurance company will immediately send verification to the state. The government may then take action against you, with the possibility of suspending your license or charging you with a fine. That is why this form is on file in the first place.
Does SR22 Insurance Cost Money?
The insurance you hold with an SR22 should be no different than what you would normally hold. The only difference will be the pay. With a DWI on file, the insurance company is most likely going to increase your rates because you are now considered a high risk driver. Drivers in this category must pay more money because they are more likely to be involved with an accident. If you maintain a good driving record after your DWI, eventually you should be able to reduce the amount of money you pay in insurance.
SR22 insurance is not a necessity for everyone, but it may be required for you. You have to research the laws in your area to determine if you will need an SR22 on file, and then you can go about the procedure of actually getting it if you do need it in the future.
Getting a DWI isn’t on anyone’s to-do list, but sometimes, it happens. You may not know your alcoholic limitations, or you may fall under the pressures of other people. Whatever the case may be, you shouldn’t write your DWI off as a simple life experience. It can be an opportunity to learn a lesson that may make you a better person in the long run. Here are 10 lessons to learn from a DWI that you hopefully have instilled in your mind:
- Drinking and driving does not make you look cool. It’s hard to look like a badass when you have a pair of handcuffs on your back.
- You cannot control a car when you’re intoxicated. The alcohol takes over your senses.
- Years of high insurance premiums aren’t worth hours of fun. At least, let’s hope not.
- Cops do not tolerate drinking and driving by any means. If you think you can talk your way out of this situation, you’re dead wrong.
- Your limit is lower than what you think it is. Take long pauses in between drinks so you can avoid getting too drunk to drive.
- You need a designated driver you can trust. If you can’t find someone to take you home, plan to call a cab or walk.
- Your actions always have consequences. You are putting other drivers at risk by getting on the road drunk.
- Your friends won’t help you. They obviously let you drive when you shouldn’t have, so you need to protect yourself without relying on assistance from others.
- Your judgment is impaired under the influence. You wouldn’t have gotten pulled over unless you were doing something wrong.
- Getting a DWI is not fun. Don’t do it again – period.
Think about all of this the next time you go out drinking, and try to make wise decisions as a result. Most people only get one DWI in their lives because they learn their mistakes the first time. Make sure you follow the right path in the future, and you won’t have to read lecture-esque articles like this ever again.
If you happen to find yourself in need of a Minnesota DWI layer, you have come to the right place. Our goal is provide you with some of the Twin Cities best lawyers to help you through the difficult times that you are facing with a Minnesota DWI.
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