SR22 Insurance New York

Reader’s Question:

Hi. I live in New York and I have a DUI in my record. But that’s not really what my main concern is. My brother has no driver’s license and problem is, I let him drive my car and he got into an accident. What will happen to my insurance? Will my insurance company drop me and would it be hard to get a new insurance policy?

Beverly

New York , NY

Good Question, Beverly

Let me get this straight. You are almost certain already on a non-standard policy if you have a DUI on your record in New York . Your insurance would likely go up if your insurance company paid for the accident. If they did not pay for the accident because your brother did not have a license, they would probably not renew your policy or worse, cancel it.

If that would happen, your options are few and far between. You will have difficulty getting a cheap insurance. You will probably be required to file a high risk insurance w/c is an SR22. This would be very expensive to get but shopping around would definitely help you to get lower rates.

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