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A DUI will snag you a suspension of all drivers' privileges for 30 day at least, possibly up to one year. The suspension period depends on the state. Looking at the bright side, that's a period of time where you don't need insurance coverage anyways.

Once the suspension period is over, in most states, they will require that you prove you have motor vehicle insurance before reissuing you a license. This requires that you provide the licensing agencynormally the department of motor vehicleswith an SR-22 form. The SR-22 form comes from the insurance company. An insurance company is required to affirm your motor vehicle liability insurance before your license will be reissued. They also have to notify the licensing agency if your policy is cancelled or lapses.

Not all insurance companies have SR-22 forms. Those that don't simply do not offer coverage for driver's with a DUI on their record. The insurance companies that do offer SR-22 forms will immediately label you a high risk driver and adjust their premiums accordingly.

Depending on the state, your premiums could double, or even triple.

You might have to shop around if you can't go back to your previous insurance company. There are specialized companies that focus on high risk policies. Of course, if you decide not to have your driving privileges restored, then you don't need insurance at all. If you don't own a car but still want your license restored, you must still fill out a SR-22 form. This means you are buying insurance for a car you don't own.

If your insurance company does not offer SR-22 policies and you receive a DUI, the company will simply cancel or not renew your policy.

This oil spill of a blemish will stay on your driving record for a minimum of three years for a first offense. It varies from state to state, and subsequent convictions will lengthen the time considerably.

Remember that a blood alcohol level of 0.8 is regarded as legally intoxicated in all 50 states. Moreover, in 40 states, an abnormally high blood alcohol level of .15 or .20 will get you doubled penalties.

What can you do to avoid a DUI?

Don't drive drunk. You are risking yourself, and you are risking other people.

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