Massachusetts SR-22 Insurance After DUI

Covers injuries you cause to other people in an at-fault accident.

Pays for damage you cause to other vehicles, buildings, or property.

Covers your own medical bills, lost wages, and replacement services regardless of fault. PIP is mandatory and cannot be rejected in Massachusetts. After a DUI, your PIP premium increases alongside liability because carriers price the entire policy as high-risk.

Protects you when an at-fault driver has no insurance or flees the scene. Massachusetts automatically includes uninsured motorist coverage at the same limits as your bodily injury liability unless you reject it in writing at policy inception — verbal rejection does not count, and the coverage is added automatically if the signed rejection form isn't completed within 20 days of policy start. After a DUI, carriers rarely allow rejection because hit-and-run accidents are common in urban Massachusetts markets and the coverage stabilizes your claim costs.

The SR-22 is not insurance — it is a certificate your carrier files electronically with the Massachusetts RMV proving you maintain continuous coverage at state minimums. The filing period begins on your reinstatement date, not your conviction date, and any lapse triggers automatic suspension and restarts your entire filing period from zero. Massachusetts accepts SR-22 from out-of-state carriers if you move, but the carrier must be licensed to file in Massachusetts or the RMV rejects it within 10 days.