Finding an insurance policy for your car may be difficult especially after the charges of DUI, but it is not impossible. The specialized SR22 or DUI insurance is designed for the high-risk drivers accused of DUI charges. Availing a DUI insurance will further assist in reinstating the suspended driving license as well.

The individual may face a court trial, suspended license or lump sum fine while he is accused of charges of DUI that is driving under the influence. After a definite time period, the driving license may be reinstated, but it is not enough to get the individual back on the streets, as several of the auto insurance providers will not sell normal car insurance policies to this person convicted of driving under influence charges. Moreover If a person with a DUI charge finds a policy, it frequently costs thousands of dollars every year, an amount far too large for several individuals. This is where the SR22 policy comes in and makes the DUI insurance much affordable for a common man.

SR22 form, the essential part of DUI insurance is a document from the high risk insurance provider which verifies that the individual has the minimum policy set by the state vehicle department. DUI policy is vital for individuals accused of offenses regarding motor vehicle resulting in the suspension of driving license. Common causes for requiring this SR22 insurance include offenses other than driving under alcoholic intake, ranging from caught by law enforcement officials for reckless driving to driving with suspended license.

In some of the states, the suspended driving license cannot be restored until the driver gets SR22 insurance. This insurance policy is essential for the driver to carry with him for a definite time period, typically 1 to 3 years. Getting the DUI insurance becomes much easier and affordable procedure after the SR22 form is filed appropriately. After availing these SR22 forms the insurance providers designate these individuals as insurable, whereas persons without this form may find out themselves entirely incapable to drive insured. In fact these people will be unable to move around the town or drive to the workplace freely. However, if individuals move to a state where they need no specialized insurance from the state where their driving license was suspended does not abolish their need for insurance. It is essential for the individuals to maintain a high risk insurance policies which meet the minimum limit set by state in which they have committed the driving offense.

In some cases, the insurance providers will require that you pay the entire amount of high risk policy premiums for a year beforehand. 3 to 6 months' premiums may be required to pay prior the activation of DUI insurance. It is always better to obey traffic rules and maintain the safety measures in order to avoid the awful consequences or pay excess money just avail an auto insurance. Consulting with the professional insurance advisors before purchasing any high risk insurance is highly recommended in these cases so that you can get a good guidance regarding the way out of this trouble.