A question often posed by clients and referral sources is, "What is the best time period to obtain an SR22 insurance?" Many insurance companies have their opinion or advice when to get one. Here at Breathe Easy Insurance, we have a particular strategy that saves our clients money and protects their current premium.
There are a host of dynamics to this SR22 question. We all know a DUI is very expensive, with attorneys fees, court fees and mandatory alcohol classes. They say an average DUI can cost upwards of $10,000 dollars. For this reason we advise all are clients to obtain SR22 insurance before you DMV/APS hearing.
The reason for this strategy is simple. After you DMV hearing if you are found guilty of driving under the influence your license will be suspended. It usually takes about 24 to 48 hours for this judgment to be filed and show up on your driving record. If a suspension is already on your driving record, your SR22 insurance price is going to be a lot more expensive. We want to file our clients SR22 before the suspension hits their driving record. Many clients now ask, "Well I hired an attorney, what if I win the case and I do not need SR22 insurance?" That's simple, Breathe Easy has a relationship with our insurance carriers. We specialize in DUI insurance. If our client wins their DMV/APS hearing and their license is not suspended and they have already purchased an SR22 with us. We will give them a refund, no questions asked.
This strategy saves our clients hundreds of dollars in the long run. By telling our clients to be proactive and deal with their insurance after a DUI as soon as possible will save them money. Not to mention, we advise them not to call their current carrier and ask for an SR22. Another mistake is waiting for their current insurance carrier to run their motor vehicle report and raise their premium. We want our clients to get their license back and save money on insurance. They are now viewed as a "High Risk" driver. We do not want them to be a victim of insurance carriers taking advantage of their current situation.
About the Author:
Jarrett John Mahoney is owner of Breathe Easy Insurance Solutions. One of the leading insurers in the country for SR22 Insurance filing and DUI insurance protection. Breathe Easy Insurance Solutions, is a member of CDLA, the Private Defenders, CACJ, NACDL and MABA. They are also recognized as one of the fastest growing insurance brokerage's in the county.