If you live in Maine and have been found guilty of specific driving laws such as driving without a license, driving uninsured, driving under the influence, or driving with an expired license, the State will request SR-22 insurance. This also applies to drivers who have committed repeat indiscretions. The auto insurance firm files SR-22 insurance to Maine's Department of Motor Vehicles.
It is compulsory for drivers in Maine who have committed vehicular infractions to apply for SR-22 insurance. You would be unable to register your car if you are flagged as a driver who needs SR-22 insurance. Hence, you must apply for this add-on to your policy before you can start the car registration process. If a driver from Maine visits another state for work, it is mandatory to get an SR-22 certificate from an auto insurer licensed to operate in that state. The auto insurer will then send the application to the Department of Motor Vehicles in Maine.
Maine stipulates three years for drivers to maintain SR-22 insurance continuously, starting from the conviction date. If a driver misses their monthly payment and the SR-22 insurance lapses, their insurance agent will an SR-26 form to Maine D.M.V. informing them that the driver has failed to comply with the state’s directives.
The consequence of missing a payment can be a suspended license for a set period is decided by the D.M.V.
SR-22 insurance is mostly used as a means of approval when a driver wants to retire their driving privileges if they have been found guilty of driving uninsured or committing a D.U.I. If you don't own a car, but you want to restore your driving privileges, you can apply for non-owner SR-22 insurance.
The only states that don’t mandate SR-22 insurance are Pennsylvania, Kentucky, Oklahoma, Minnesota, Delaware, and New Mexico. However, if you have been charged in Maine and visit any of these states or relocate permanently, you are still required to fulfill the legal requirements under Maine law.
Typically, a state D.M.V. does not keep a database of drivers' insurance policies. Nonetheless, auto insurers get to keep a database of drivers' policies and send out an SR-26 or FR-44 form (depending on the state) to Maine D.M.V., notifying them of any defaulting on the policy. If a driver cancels or fails to renew their SR-22 insurance, the state D.M.V. will be contacted to report your behavior.
When you apply for SR-22 insurance in Maine, you will get a copy of insurance proof that you must report to the state. If you fail to submit your copy to the Maine D.M.V., your license will be suspended. To reinstate your license, you must then own and maintain an SR-22 high-risk car insurance policy.
Maine SR-22 insurance policy costs about $87 per month on average. Your rate depends on your offense. Hence, drivers with an SR-22 certificate on their policy are charged an increase of 42% on average. Compared to the standard rate, you can see how steep that is. Your offense plays a considerable part in Maine car insurance premiums.
Repeat offenders have it worse. There is the possibility of serving jail time and losing your license. Additionally, the expensive premiums are just one part of what you have to face. Having an SR-22 request on your insurance policy makes you a risky client, which means you will lose customer discounts that you previously had access to.
In Maine, drivers found guilty of a D.U.I. violation cannot qualify for a safe-driver discount for thirty-six months. Say you enjoyed 15% off your fee before. You can now expect your policy to increase by 15% for the next three years.
Drivers in Maine need SR-22 insurance to restore their driving privileges when their license has been recorded or suspended for reasons such as:
Driving Under The Influence Of Drugs and Alcohol – OUI
Suppose you are flagged for a traffic stop because the law enforcement officer suspects you are driving under the influence, and a chemical test verifies his or her claim. In that case, your license will be automatically suspended. If you refuse to take the test, your license will be suspended. In specific scenarios, the suspension duration can be reduced if you opt for an IID (Ignition Interlock Device) installation.
An IID requires drivers to breathe into the device before turning the ignition. If the driver breathes into the breathalyzer, and the device detects abnormal alcohol intake, it will prevent the vehicle from starting. An ignition interlock device will also randomly ask the driver to deliver a breath sample to check for alcohol consumption. However, if the car is on and detects that you are intoxicated, the device cannot turn off your engine.
An IID requires a small installation fee, apart from the cost of purchase and maintenance. The fees vary, so it is recommended that you shop around for deals that align with your budget.
Before the court can allow you to choose the IID option over maintaining SR-22 insurance, you must request approval from the Secretary of State.
Reinstating Driving Privileges With An IID
In unique circumstances, a driver convicted of an OUI violation may qualify to restore their driving privileges by applying for an Ignition Interlock device installation. First-time OUI offenders have the privilege of installing an IID to recover their driving eligibility after a 30-day suspension.
The device must remain in the car for five months after the sentencing date. To qualify for this option, you must apply for approval from the Secretary of State. You can do this by submitting an Ignition Interlock Petition form to the Maine B.M.V. To process this form; you will be required to pay a sum of $50 and complete a D.E.E.P. course.
D.E.E.P. stands for driver education, evaluation, and treatment program.