Have a DUI or Reckless Driving Charge in Alabama? Here’s How SR-22 Insurance Can Help

If you’ve recently received a DUI or reckless driving charge in Alabama, you may have been told you need SR-22 insurance to get your license reinstated. This requirement can feel overwhelming, but understanding how SR-22s work and navigating your obligations appropriately does not have to be difficult. At Global Insurance and Services, we’re ready to help.

What Is SR-22 Insurance?

Despite commonly being referred to as SR-22 insurance, this term does not actually refer to a type of insurance policy. Rather, an SR-22 is a certificate your insurance company files with the state to prove you carry the minimum required auto liability coverage. In Alabama, drivers with certain violations or repetitive issues are often required to file an SR-22 before being allowed to legally drive.

Why Is SR-22 Required After a DUI or Reckless Driving Charge?

The state of Alabama uses the SR-22 filing to monitor high-risk drivers and make sure they maintain continuous insurance coverage. If you’ve been convicted of a DUI or reckless driving, you may be ordered to file one of these documents, as such offenses often lead authorities to believe you’re a risky motorist. Once filed, the SR-22 serves as proof to the state that you’re meeting your legal obligations. Failing to maintain your SR-22 as ordered can result in license suspension, requirement extension and other penalties.

How Does SR-22 Affect Your Insurance?

Needing an SR-22 typically means you’re considered a high-risk driver, which can impact your insurance rates. As such, you may have to pay more for coverage both during your SR-22 requirement period and even in the years after. However, by working with a qualified insurance professional, such as those at Global Insurance and Services, you may be better positioned to find affordable rates.

We’re Here to Help

Our team understands the challenges that come with a DUI or reckless driving charge, and our knowledgeable and experienced agents are here to guide you through the SR-22 filing process and answer questions you may have.

Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.