Washington DUI Insurance

Reader’s Question:

What are the possible penalties of DUI in Washington?

Kirsten

Bellevue, WA

Having drunk drivers may be one of the challenges in Washington. Drunk driving can be a grave offense, especially when an officer catches you in action; more if you have caused a terrible accident involving other people.

Yes, an automobile accident is a possibility when you are highly intoxicated. Drinking and driving have been accounted for many unfortunate events leading to deaths and hospital admissions all-over in the country.

Drivers, who never seem to stop practicing such negligent action, may drive recklessly. Anyone, guilty of this, will have to face its corresponding sanctions.

In Washington, one sanction for this offense would be suspension of license. This doesn’t mean you will no longer drive. Such sanction may be temporary. In time, you will be given the chance to reinstate your license. However, you will need more than an active automobile insurance to get back in driving. You will also need an SR22 Washington.

Driving entails responsibility but when you’ve been convicted of such offense, this piece of document is compulsory. This is not only applicable for DUI but also to driving with suspended license or without insurance.

Filing for an SR22 Washington may be alike in other states. However, most worries would come from its cost. It can be expensive. Nowadays, several trustworthy companies offer processing of such documents with prices that are affordable.

You might ask, “What do I need to do obtain SR22 in Washington?” You can save yourself from the trouble of finding out for the answer, if you decide to seek help from professionals who provide service in processing this document. All you have to do is to fill-out application forms and they can do the rest. However, if you do it personally, requirements are presented at Department of Motor Vehicle, with corresponding fees to pay.

Drunk Driving DUI Insurance in Washington

Reader’s Question:

What are the implications of DUI to my car insurance here in , Washington? I suppose it can’t be a good thing.

Bill

Spokane, WA

Since when has drunk driving been a good thing? I suppose you already know about the license suspension, lawyer fees and fines. I’m assuming here that you did get convicted of drunk driving. Well, in case you haven’t spent enough yet, on top of everything, you have to worry about higher premium prices for your vehicle insurance–that is if you are lucky. Some insurance companies will actually cancel your policy. And bet the top of your legs that you’re going to have a hard time looking for new automotive insurance. So, let’s say that your company decides to keep you, you lucky son of whatever, as one of their policy holders. You then will be branded as high risk. Your car insurance company is required to submit an SR-22 to your DMV there. It is a document that gives proof that you have the minimum required coverage, and more importantly, it reestablishes your driving privileges.

If you’re thinking that this is easy enough to handle, that it was all worth it since you had so much fun drinking, let me tell you now that not all insurance companies offer SR-22s. Check out your insurance laws there in Spokane, WA to find out. And one last thing, stop being an idiot. Don’t drink and drive.

Why Is SR22 Auto Insurance So Expensive?

Q: Why is my SR22 insurance premium so expensive?

A: As they say, when you do the crime, you got do the time. SR22 rates are punitive, and while it may be extremely unpleasant having to pay such high rates during the time you have to file SR22, it is a successful deterrent. However, that’s no why your rates are so high.

As a matter of fact, SR22 rates are high because policy holders who must have an SR22 filed on their behalf are considered to be very risky to insure. An attitude like that stems from the fact that most people who have a SR22 insurance policy have one because they were convicted of drunk driving–obviously prey easy to cause an accident that way.

Since car insurance companies measure what they charge you according to the risk you pose to them, such factors play a big part. If you have to have, then you will pay more into the insurance pool than will people who have never made a driving mistake in their lives, have mid sized economic hybrid cars, are middle aged, and so on.

Washington SR22 Auto Insurance

Q: What is Washington SR22 and what do I have to have for it?

A: A Washington SR22 is required in many situations. For those who go driving uninsured and end up crashing with another car, their license can be revoked when they are unable to produce proof of insurance. More often, a license is suspended for a drunk driving conviction, and this is the most common violation associated with SR22s and one of the main reasons they cost so much.

If you must file a Washington SR22, then you must find a company which will give you a policy first before you get your license unsuspended. Whatever company you find will send a form to your driver’s department every month, so long as you pay your bill, for three years. If they don’t send it along, then your driver’s license will be suspended.

You are required to get the same amount of insurance on a Washington SR22 policy as any other driver in the state, which means you must have $25,000 for bodily injury per person, a total of $50,000 bodily injury per accident, and also $10,000 for property damage. It may be safer for your credit to get higher limits.