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SR-22 InsuranceDrunk driving is dangerous. You’ve heard it before and we don’t need to explain it again. But what happens if you slip up? Dangers aside, it is worth explaining the consequences of your actions.

If you’re caught driving drunk (after measuring a blood alcohol content of at least 0.08 percent), you will most likely be issued a DUI or DWI, depending on state laws. Don’t expect to be let off with a warning.

Once convicted of a DUI/DWI, you may face certain penalties. If it’s your first offense, you may get off with a hefty fine. If your driving record documents several transgressions, you may face more severe consequences like jail time or license suspension. Either way, you can expect the DUI/DWI to remain on your record for a minimum of three years.

How does a recorded DUI/DWI affect you? Here are just a few things you may notice.

  • You may have trouble obtaining credit or applying for a mortgage/renting an apartment.
  • You may get turned down from job offers, especially if the position involves driving.
  • You may be unable to adopt a child.
  • You may see your auto insurance rates increase considerably after being designated as a high-risk driver.
  • You may be required to file an SR-22 form as proof of continuous auto insurance coverage.

Never heard of an SR-22 form? Many people haven’t. It’s a document that your auto insurance provider files with the DMV as proof of coverage. If your policy expires or lapses for any reason, your insurer must inform the DMV and your license could be suspended until coverage is reinstated. The state will tell you how long you must maintain your SR-22 status. After you’ve fulfilled the obligation, the status will be removed and your auto insurance rates may decrease once again (depending on your driving record).

Drunk driving is not taken lightly and the consequences may affect you for years to come. Luckily, it’s a situation that is completely avoidable.

Need a quote? Call Auto Insurance Express at (417) 206-3733 for more information on Joplin SR-22 insurance.

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