Comprehensive Arizona DUI Information
SR22 HIGH RISK INSURANCE IN ARIZONA DUI LAW
NOTE: We do not sell to or assist people we do not represent
with SR-22 insurance issues. If you have already been convicted of a DUI
and have insurance questions, please do not contact us. Instead
contact the MVD or your insurance agent. We will not respond to any
inquiries regarding insurance following a DUI conviction.
An SR22 is essentially a proof of financial responsibility and is
required after many DUI arrests and license suspensions. When you get an
SR22 in Arizona, the insurance company must notify the MVD upon
cancellation of insurance. This is effectively an extra measure to
insure that a driver who the Department deems to be of a higher risk
maintains constant insurance. For ordinary insurance, the insurance
company would simply notify the MVD in the regular course of business,
instead of making a special effort as in the SR22.
Most people want to know how much an SR22 requirement in Arizona will
raise their insurance rates. This is a question best addressed by an
insurance agent. As in any other consumer affair, we advise the aware
SR22 consumer to shop around before deciding which price they will pay,
and which company or agent they will choose.
For first time DUI offenses, there are tricks to avoiding the imposition
of SR22 insurance. For instance, the order in which you receive
suspensions for your DUI matters (i.e., whether you received the MVD
suspension first, or the court suspension first).
Some of my clients have been pleasantly surprised when shopping for SR22
insurance when they find out that they can purchase SR22 insurance as
well as general auto insurance from another insurance company and
actually save money over their old policy. Go figure!!!
I am often asked which insurance company is best for insurance following
a DUI arrest, conviction and suspension. My answer is always the same...
Insurance companies are out to make money and any insurance company will
screw you if given the opportunity. Therefore, be careful when shopping
around, speak in generalities, and get a variety of quotes from
different companies.
I do not, will not, and could not endorse one insurance company over
another.