DUI & SR-22 Insurance
SR-22 is a certificate of financial responsibility and is required if your license was revoked due to a DUI. A SR-22 is issued by your insurance company to prove you have the minimum liability coverage required by law. Currently, it is $15,000 for bodily injury or death of one person in any one accident; $30,000 for bodily injury or death of two or more persons on any one accident; and $10,000 for injury to or destruction of property of others in any one accident.
If you are required to maintain SR-22 certification, you will need to maintain this for 3 years. It is important not to let your insurance lapse because penalty fees will be assessed and your SR-22 coverage period may start all over again, even if you have complied for almost 3 years. On top of this, the DMV will be notified and your license will be suspended.
More information can be found at http://www.dmvnv.com/dlsuspension.htm
Unfortunately, even if you were found not guilty of a DUI in criminal court, you may still have to file a SR-22 if the DMV revokes your license. All the DMV needs is an arrest for a DUI, not a DUI conviction at criminal court to revoke you license. This is because a driver’s license is a privilege to drive and not a Constitutional right.
You will need to contact your insurance provider and request a SR-22. This will come with added fees and possibly higher insurance rates. The DMV will not notify you when the 3 years of coverage has been completed so it is important to contact the DMV to verify this before terminating your coverage.
Request a Hearing Immediately for SR-22 Insurance
It may be possible to avoid having to provide a SR-22 if you request a DMV hearing immediately after your license has been taken or suspended and you successfully win your DMV hearing and criminal case. You have 7 DAYS to request a temporary license and DMV hearing once your license has been taken upon taking a breathalyzer at the police station.
Contact our firm at 702-366-0891. The Law Offices of Garrett T. Ogata will defend you at your DMV hearing and fight for you to keep your license, so no SR-22 insurance would be necessary.