DUI car insurance for convicted drivers
DUI auto insurance has different requirements, depending on where the insured lives, to satisfy state compliance. Only qualified applicants will receive a suitable policy. Form SR22 is used in most states to monitor drivers’ insurance compliance with a DUI conviction. Florida and Virginia use Form FR44 for their drivers. A qualified policy must remain in force for a valid license to continue. Some companies discourage applicants while others compete for their business. Due to the requirements of FR44, policies in Florida and Virginia have become a profitable business for companies as they compete for new ones with low rates.
Each state legislature determines the requirements that must be met for a driver convicted of DUI. Bodily Injury Compulsory Liability (BIL) with increased limits is common. In Florida, FR44 requires limits of $ 300,000 BIL, the largest increase of any state. In Virginia, the only other state to adopt this form, it requires $ 100,000 of BIL. A policy in Texas requires $ 60,000 of BIL and California DUI $ 30,000 and so on. Most states have a three-year compliance period (Texas is two) to maintain a valid license. Additional underwriting and administrative requirements vary by state for the applicant and policy.
How much does DUI insurance cost? This is a question that all convicted drivers ask and the best way to answer it is to shop around and get quotes from a variety of companies. Keep in mind that a policy is basically like any other except for some additional requirements and increased limits. Due to increased costs and more varied requirements, a policy has more fluctuations in prices between companies than a policy without DUI. Note that a qualified policy can be a car insurance policy, a motorcycle policy, or an operator policy where there is no vehicle to insure. Florida no longer allows the submission of a motorcycle policy.
A drunk driver is a great risk for any insurance company, yet most drivers who have experienced the consequences of a conviction avoid driving drunk. Furthermore, due to their previous experience, the consciousness of convicted drivers is extremely high and they drive very carefully when consuming only a small amount of alcohol. Conscious drivers are a good risk for businesses and reasonable rates are available for any risk group that proves profitable. Because the FR44 form in Florida and Virginia, unlike the SR22 form in other states, separates DUI drivers from all other high-risk drivers, it is easy for companies to determine that this specific group has low claim payments. , which makes it a profitable business.
A qualified DUI insurance policy for a convicted driver is generally the last step before driving privileges are restored. A person convicted of driving under the influence will need a policy with SR22 (FR44 in Florida and Virginia) to maintain a valid license. The requirements for these types of policies vary considerably between states and companies. A good buying strategy will keep the rates lower, especially where companies compete for these types of businesses, such as in Florida and Virginia.