Vehicle Owners: Get a regular auto insurance quote with Lyles Insurance
Non vehicle owners: Get a Named Operators quote with Lyles Insurance
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Hello! I’m Dan Lyles with Lyles Insurance. In this video, we’re going to go over the process from going from having a DUI to getting your license reinstated.
As we all know, getting a DUI is a very costly mistake. Things you might have to face includes fines, court costs and other fees, a suspension, maybe some jail time, could lose your job, you may have to pay retribution if you caused an accident, and on and on and on.
But sooner or later, you’re going to get to a point to where you need to get back on your feet, and get your driver’s license back. And this video aims to help you simplify that process, and go over the steps that you need to do to get there.
As far as steps getting your license reinstated, it’s really simple. First, contact your state’s BMV or DMV and find out exactly what you need to do to get your license back. They will let you know all those things. Then you just need to get those taken care of, which include paying any fines, serving suspension times, or paying reinstatement fees or other fees. And then the last step is usually to buy auto insurance liability coverage. They’re going to require that before they make your license valid again. And in most states you will also have to carry a state filing as well. In most states, that state filing is what’s called an SR22 filing. Or for Virginia residents, you may be asked to carry an FR44 filing instead.
For those of you who are not familiar with what an SR22 filing does, the simplest way to explain it is: it’s not auto insurance, it just attaches onto an auto insurance policy. And it acts like a monitor, or as a “tattletale”, as I like to call it. It keeps dibs on you to make sure you keep your auto insurance policy active during the time that the state requires you to carry it. If you ever lapse, cancel or expire on your policy, the auto insurance company is required by law to notify your DMV or BMV, and then your license gets suspended again.
As far as buying the right type of auto insurance policy, it’s very simple. It only boils down to whether or not you own a vehicle. If you own a vehicle, you simply need a regular auto insurance policy, and attach the SR22 onto it. You’ll find out though, that many companies won’t write SR22 filings. Other companies do, but they charge a very high premium. Your best bet is to find an independent agent like myself who specializes in high risk auto insurance. They have companies that are more DUI and SR22 friendly, and can offer you lower rates. And the good part is, you get multiple quotes from several companies at once. And for those of you who do not own a vehicle, you need to take out what’s called a Named Operators auto insurance policy, and attach the SR22 onto it.
So for those of you who live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, if you would like for me to personally run you an auto insurance quote, I’ll be happy to do so. I have put links for both vehicle owners and non vehicle owners. Click on that link, fill out a short form, and I’ll get back to you with prices. Or if you would just like to get a quote over the phone, I’ve also posted my phone number there. Thank you for watching. And have a great day!
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..