DUI and SR-22 Insurance in Kentucky
Reader’s Question:
I am a 25 year old working female who has been charged with DUI. My question is: Why do I need to get an SR-22 insurance policy when I don’t even own a car? I need to save money during these tough times.
Cassy
Louisville, KY
Cassy, an SR-22 insurance policy is needed in Kentucky if you have been convicted with DWI (driving while intoxicated or DUI which stands for driving under the influence), and you want to get your license reinstated. An SR-22 is needed for five years after the earliest offense, and then ten years after a subsequent offense, and then if you obtain a third offense, a full 20 years. I mean seriously, that maybe heaven’s way of telling you that you are not meant to drive. Ever.
But if you still ignore the voices of reason, common sense and logic even if they scream directly at your ear, and you still get a fourth offense, then you have to carry an SR-22 insurance for life. However, statistics show that most DWI violators do not reach the fourth offense. The afterlife is what they reach. But anyway…
If you do not possess your own vehicle, that will not stand in the way of you trashing others’ cars. Ask a car insurance company in your vicinity about a non-owner SR-22 policy, or you can check online for cheap rates. An SR-22 policy will insure that the driver is financially responsible for any accident that will arise even if he or she has shown ruthless behavior on the road. And for the record, bad drivers and cheap insurance policy do not belong in the same sentence. Oops. Well, you get the picture.
What is it they say about drinking and driving? Alcohol and gasoline do not mix. If you’re out to prove otherwise, well, they do mix, but it has a dreadful aftertaste.
How Do I File an SR22 Insurance Form? What Types of Forms Are There?
Q: How is an SR22 insurance form filed?
A: How an SR22 insurance form is filed will always depend on the car insurance company, of course, so you will have to ask your company if you are trying to get it filed a certain way. Normally, though, there are two ways and three different forms.
The three types of SR22 insurance form are as follows
- Owner SR22 insurance form, which is for someone who owns a car but does not drive it.
- Operator SR22 insurance form, which is for someone who drives but does not own a car.
- Owner-operator SR22 insurance form, which is for someone who owns a car and drives it as well.
If you choose a company to file your SR22 insurance form, one of the above will be filed. In some cases this is done via mail and sent to the Department of motor vehicles, and this can take as much as a month to process. In other cases, your form can be filed electronically, which usually takes between 24 and 48 hours.
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