auto insurance Virginia

Reader’s Question:

I got involved in an accident and was charged with DUI. Am I required to get an sr22? I have a full coverage at the time of the accident. I also want to know if my insurance rates will go up and how much will the increase be?

Joshua

Good question Joshua.

All the list of penalties for a first time DUI offense and/or breath test refusal, are included in the Virginia Department of Motor Vehicles driver’s manual. It includes an administrative suspension of your license for 7 days if your BAC is 0.08 percent or higher. It is a 6 point violation for your driving record.

If you get convicted of DUI in VA, this will result in a mandatory minimum $250 fine and the suspension or revocation of your driver’s license. Other penalties may also apply other than these.

If you get involved in an accident , depending on local ordinances, you may be liable (for up to $1,000) for the cost of law enforcement, emergency medical services, and rescue personnel who responded to the accident resulting from your DUI offense.

The financial responsibility certificate or the sr22, is required in Virginia if:

1.you have an unsatisfied judgment,

2. an uninsured motor vehicle suspension or driver license suspension .

It looks like you will be required to carry an SR22 because of the driver license suspension a DUI violation conviction.

The increase in rates if you are convicted of a DUI or DWI will actually depend upon your insurance provider. It will also depend upon their rating system.Rates typically go up since many insurance companies find an individual with a DUI on their driving record to be high risk to insure. To get more information about your insurance provider’s rating system you may call them to ask your agent. You may also contact the VA insurance regulatory body where rates are being filed.

Goodluck!

MariCAR