It’s a conundrum: You need to reinstate your driver’s license in order to get insurance, but you can’t get a license without insurance. It’s like the chicken and egg question, only more personally annoying.

But don’t worry.

Insurance companies that file SR-22 insurance know that many states need insurance filed before they will reinstate a driver’s license.

Essentially, insurance providers will allow you to begin your policy before you have a license. They typically allow a 30-day grace period. If you cannot prove to them that you have, in fact, reinstated your license, your policy will be cancelled, your dreams shattered, and your parents disappointed (living or dead. Disappointment transcends the living world).

So don’t do that.

When it comes time to recover your driving privileges, remember to start your policy first, and be sure to tell your insurance company that you are filing a SR-22 policy and do not have a license.

Then, go to your DMV, bring your SR-22 policy, and be sure to check back with your insurance provider that they received confirmation from the DMV.

If you haven't started shopping for SR-22 Insurance, start with our easy car insurance quote form.

It’s no secret that the instances of DUI convictions heighten around the holiday season. We already reported what you could do to avoid getting a DUI over the holidays, but what happens if you do.

First of all, shame on you. Just kidding. It happens. So what next?

Expect three things after a DUI. Number one, your insurance rates will likely be raised by your car insurance provider. How much is not clear, but people usually experience a 30 to 100-percent increase. Ouch.

Number two, expect to pay those inflated rates for years. Most states limit how long a DUI can affect your rates to three years, but it’s anyone’s guess.

Number three, you’ll have to familiarize yourself with SR-22 insurance. You insurance provider will likely require you to fill out a SR-22 certificate in order to get your license reinstated.

So if you made a blunder, thought you were under the limit, and didn’t want to get a cab, you can expect to deal with all three of these unpleasant items. However, if you haven’t yet attended your holiday parties for the year, remember just how awful these steps are, how costly they are, and how dangerous it is to drive drunk before you decided to do so.

Stay safe.