Vermont SR-22 Insurance
Navigating the complexities of SR-22 insurance in Vermont after a serious driving offense is easier with Breathe Easy Insurance by your side.
Understanding SR-22 Insurance in Vermont
An SR-22 is a certificate of financial responsibility filed with the state by your insurance company. It serves as proof that you carry the minimum liability coverage required by Vermont law.
In Vermont, you may need to file an SR-22 form if you’ve been involved in certain driving incidents, including:
- Driving Under the Influence (DUI): Being convicted of a DUI can result in the requirement to file an SR-22.
- Serious Traffic Violations: Multiple or severe traffic violations can lead to an SR-22 requirement.
- Driving Without Insurance: Getting caught driving without the mandated insurance coverage can result in needing an SR-22.
Breathe Easy Insurance makes filing SR-22 easy and will file the SR-22 form with the Vermont Department of Motor Vehicles (DMV) on your behalf. It’s important to maintain your SR-22 status without interruption. Any lapse in coverage will result in your insurance provider notifying the DMV, which could lead to the suspension of your driving privileges.
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Vermont's Minimum Liability Coverage
To comply with Vermont’s insurance requirements, your policy must meet the following minimum liability coverage limits:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage per accident
Impaired Driving Penalties in Vermont
Vermont takes impaired driving seriously, with stringent penalties for those convicted of DUI:
- First Offense: Up to 2 years in jail, fines up to $750, and a driver’s license suspension of 90 days.
- Second Offense: Up to 2 years in jail, fines up to $1,500, and a driver’s license suspension of 18 months.
- Third and Subsequent Offenses: Up to 5 years in jail, fines up to $2,500, and a permanent driver’s license revocation.
Ignition Interlock Device Requirements
For certain DUI offenders, Vermont mandates the installation of an Ignition Interlock Device (IID). This device is installed in your vehicle and requires you to pass a breathalyzer test before the engine will start. IID requirements in Vermont include:
- First-Time Offenders: May be required to install an IID for at least 6 months.
- Repeat Offenders: Must have an IID installed for at least 18 months or longer, depending on the number of offenses.
- Installation and Maintenance: The cost of installation and maintenance of the IID is the responsibility of the offender.
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FAQs About SR-22 in Vermont
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
Get Your License Back with Breathe Easy Insurance
Let Breathe Easy Insurance help you get started today. Call 844-580-7525 now or fill out a form for a free SR-22 quote. Our licensed insurance agents will walk you through SR-22 requirements and help you get back on the road. We understand that this can be an overwhelming and stressful time, let our staff help you with all your insurance and licensing needs. We are America’s SR-22 Insurance Experts, see why by calling our offices today for a free quote.
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