New Jersey DUI SR-22 Insurance After Conviction

Covers injuries and property damage you cause to others. After a DUI conviction, carrying only the minimum exposes you to personal liability in any accident, and most non-standard carriers require higher limits to write SR-22 policies.

Pays your medical bills, lost wages, and essential services after any accident, regardless of fault. DUI drivers cannot reject PIP coverage — it is mandatory for all New Jersey policies and cannot be waived even if you have health insurance.

Covers your injuries if you're hit by a driver with no insurance or limits too low to cover your damages. New Jersey insurers must offer UM/UIM at the same limits as your liability coverage, but you can reject it by signing a written rejection form at policy inception. Verbal rejection does not count — if the form is not completed, the coverage is added automatically and billed. After a DUI, most agents recommend accepting UM/UIM because high-risk drivers are statistically more likely to encounter uninsured drivers in densely populated areas.

An SR-22 is not insurance — it is a certificate your insurer files electronically with the New Jersey Motor Vehicle Commission to prove you carry at least state-minimum liability. The filing must remain active for 3 consecutive years from your DUI conviction date. If you cancel your policy, miss a payment, or switch carriers without maintaining continuous SR-22 filing, your insurer notifies the MVC within 24 hours and your license is suspended immediately until you refile.