Colorado State Auto Insurance and DUI / SR-22 Information

Being convicted of DUI or DWAI in the State of Colorado will cause your insurance premium to spike dramatically. At Breathe Easy Insurance Solutions our trained DUI insurance agents understand DMV and insurance requirement after a DUI. You do not have to pay an extreme premium to insurance your vehicle after a DUI. Our staff will file your SR-22 and set up a DUI insurance program to satisfy the DMV and get your license back. This is all done while providing a manageable insurance rate to cover your vehicle. Understanding the law and requirements is the key to our success. Not to mention, the relationships with have developed with a host of insurance carriers that gives us the ability to shop for a policy that will fit your coverage needs and budget. Do not be a victim to extreme premium increases. We have the insurance solution that will work for you.

Colorado law prohibits a person from driving a vehicle who is impaired by drugs or alcohol or who is under the influence of alcohol or drugs. These offenses are abbreviated as “DUI and “DWAI”.

If your blood alcohol concentration (BAC) exceeds .05 but is less than .08 the state views you as “impaired” by alcohol. If your blood alcohol concentration is .08 or higher you’re considered “under the influence of alcohol” and your alleged offense will be a DUI. When a driver is blood alcohol concentration is .17 or higher you are considered a persistent drunk driver and you are subject to greater penalties under Colorado law.

Minimum Insurance Requirements in CO

25,000 - Bodily injury.
50,000 - Bodily injury to all persons involved in accident.
15,000 - Property damage.

Why does the DMV require an SR-22? How long will I need an SR-22 on file?

An SR-22 is a “proof of financial responsibility” certificate required by the DMV in order for a restricted license to be issued. Without an SR-22 on file with the DMV, your license will remain suspended. The SR-22 is attached to an insurance policy. Essentially, the DMV requires this form attached to an insurance policy because they want to know you have the basic limits of liability insurance required to legally operate a vehicle in Colorado. There are several ways to file an SR-22, and understanding insurance and DMV requirements will allow you to file the SR-22 more cost effectively. Most insurance companies file SR-22’s. However, if your current carrier files your SR-22, they will be informed of your current DUI offense immediately.

Ignition Interlock Device

An ignition interlock device (IID) is very similar to a breathalyzer and is used to measure your blood alcohol concentration level (BAC). This mechanism is attached to the ignition of your vehicle. It requires a driver to blow into the device.  If alcohol is present in your blood, the vehicle will not start.  Under new legislation, many counties in Colorado are now requiring IID’s to be installed in vehicles after a DUI.  Contact a local attorney to see if an IID is required in your case.

 

 1st DWAI1st DUI2nd DWAI2nd DUI
Fines $200 - $500 $600 - $1000 $600 - $1500 $900 - $1500
Jail Time 2 days - 180 days 5 days - 1 year 10 days - 1 year 90 days - 1 year
Suspension None 9 Months 12 Months 12 Months
Public Service 24 hrs - 48 hrs 48 hrs - 96 hrs 48 hrs - 120 hrs 60 hrs - 120 hrs

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