What’s the difference between SR22 Insurance and Regular Car Insurance in Montana? Sr 22 insurance is simply regular automobile insurance with a Certificate of Financial Responsibility issued by a licensed insurance agent. So, essentially there is no difference in a regular automobile insurance policy and an SR22 Insurance Policy except that the insurer promises to maintain the status of your premium… regardless of your driving record. Regular automobile insurance policies do not promise such thing and are more accurately categorized as “guaranteed issue” or “guaranteed renewability.”
If you currently have a DUI on your record you can be assured that any future insurance premiums will be affected negatively. Let’s say you have been charged with a DWI in Missoula. You will surely find yourself paying high insurance rates due to the fact that you were previously charged with a DUI. Now, if you apply for SR22 Insurance in Montana, you will no longer be subject to any future financial responsibility for a DUI offense. Additionally, your premium will remain consistent no matter what your past DUI history is. This is considered “guaranteed renewable.”
If you have recently been convicted of a driving while intoxicated (DWI) violation you might need to reconsider the type of policy you possess. Currently, drivers who are convicted of DUI have only two options: cancel their current policy or get a signed consent to get another one approved. If you were previously convicted of a DUI, you may need to wait until the completion of your DUI program to get your DUI conviction cleared or else pay a higher premium than those who are not convicted of DUI. If this is the case, it is definitely worth talking to an insurance agent about the possibility of converting your current SR22 car insurance plan to one that covers DUI charges.
As soon as your DUI arrest is entered into the state’s criminal history, you can be required to obtain an unrestricted driver’s license. If you were previously convicted of DUI, the DMV will require you to pass a prerequisite driver’s license reinstatement test before you are able to reinstate your current policy. If you fail this test you will be required to go through the entire process again.
When you are considering whether to reinstate your SR22 insurance policy or not, you should understand that obtaining a signed consent to operate a vehicle on the road while your license is suspended is a difficult process. If you fail this test you will not be allowed to operate a vehicle until you take your reinstatement test. However, the good news is that there are some alternate ways to get your license restored. First, if you have a prior traffic citation that was paid but never reduced, you may be eligible to have the citation dismissed. If this is the case, you would still need to take the necessary steps to drive your vehicle legally. The second best way to reinstate your license is to request a temporary Restricted License, which would allow you to operate a vehicle until you get your permanent license. Click here to apply for Non owner car insurance Texas.
If you decide to take this option, it is important to realize that you are taking a risk by driving with an unlicensed status. Not only could you get into an accident, but you could be arrested and prosecuted for operating an uninsured vehicle. If you are driving a late model vehicle that has a high price tag, the cost to repair your vehicle and the fines associated with uninsured motorist coverage are not affordable. The best course of action when it comes to determining whether or not to reinstate your SR22 insurance is to contact an experienced attorney who deals with these types of cases regularly. If the topic is still not clear to you, open this link https://en.wikipedia.org/wiki/Vehicle_insurance_in_the_United_States that demystify the topic