Got Dui, Need Sr22 to Reinstate License, Can I Use Policies from Two Different Companies to Avoid Re

[goillini52]

I think the tator has left the building. only one post back in March... I just now noticed that this thread is a re-heated leftover.

Haha, I hadn't noticed how old it was either. He might have his license back by now.

 

[BlockO]

When the primary insurance discovers the dui and drops you would that trigger a new license suspension even with a second policy non owner in effect?

nope. as long as the policy that has the SR22 filing attached stays active, your license will not be suspended. but of course, you'll need to find coverage for the car before you can drive it legally.

two things to add:

1. quick tip for when and if that time comes: most companies that write named operator policies (not all of them, but most) will allow you to add a vehicle to the policy... when this happens, your named op policy automatically converts to a regular auto policy.... policy number stays the same. SR22 is not affected. only takes a few minutes to change... something to keep in mind if you need coverage quickly.

2. when/if your primary insurance covering your car cancels you, the strategy of having two policies probably no longer works in your favor.. might as well have them both on one policy after that.

 

[Fdetrana]

nope. as long as the policy that has the SR22 filing attached stays active, your license will not be suspended. but of course, you'll need to find coverage for the car before you can drive it legally.

two things to add:

1. quick tip for when and if that time comes: most companies that write named operator policies (not all of them, but most) will allow you to add a vehicle to the policy... when this happens, your named op policy automatically converts to a regular auto policy.... policy number stays the same. SR22 is not affected. only takes a few minutes to change... something to keep in mind if you need coverage quickly.

2. when/if your primary insurance covering your car cancels you, the strategy of having two policies probably no longer works in your favor.. might as well have them both on one policy after that.

Yep the plan then will be to add my vehicle to my non owner policy making it a regular policy. Thank you for your help and time.

 

[KenP]

DMV and insurance are like oil and water man.

Amen. Can't tell you how many times customers have been confused because the DMV can't seem to convey information clearly.

Multiple suspensions on the license? Oh, here we go.
1) Go to court, pay tickets associated with non-paid traffic violation suspensions
2) Go to DMV, pay reinstatement fees for every suspension for those non-paid traffic violation suspensions. Yes, even though you can't actually reinstate your license yet
3) Once those are clear, as an insurer now we see you only have one suspension left for needing insurance
4) Pay insurance premium to start policy
5) Show proof of insurance to DMV, pay final reinstatement fee and actually get license back


It's a circus.