6.28.2017

DUI & SR-22 Insurance

Written by: The Law Offices of Garrett T. Ogata

SR-22 is a certificate of financial responsibility and is required if your license was revoked due to a DUI.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. 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.

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