After an OWI Conviction

Like every other type of insurance, car insurance rates depend upon a number of factors that insurance companies use to determine the risk associated with each individual driver covered by a policy. Factors such as age, vehicle make and model, driving record and criminal record all play a part. Obviously an arrest foroperating while intoxicated can have a big impact on car insurance rates. 

Ordinarily, an insurance company will not make an adjustments on a person’s automobile insurance policy until and if they are convicted of an OWI offense or their driver’s license is suspended.

What is SR-22 Insurance?

In the event of a license suspension for operating while intoxicated,test failure or test refusal, or a conviction, the Iowa Department of Transportation will require something called SR-22 insurance. SR-22 insurance is not necessarily a separate type of insurance however it is a filing that an insurance company makes with the Department of Transportation verifying that the individual is covered by a “high risk” insurance policy. They charge for the filing and the insurance premium goes up based upon the underlying conduct that required the filing of the insurance.

How Long is SR-22 Insurance Required?

SR-22 insurance is required for two years following the most recent suspension. Even if the individual forgoes obtaining a work permit, SR-22 insurance is still required for two years from the date their license is reinstated. If SR-22 insurance is obtained and filed with the Iowa Department of Transportation, then the license plate and registration surrender provisions do not apply to that vehicle. SR-22 insurance must be on file for each vehicle owned and operated by an individual following a suspension or conviction for operating while intoxicated.

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