Drinking and Driving in America has gotten way out of hand ! Every day there are just so many new Fatalities caused by People who Drink then get in their Cars and Drive home. Every day when you look in the paper you hear so many Horror stories and they all seem to involve the Death of a Child ! Drinking and Driving is a huge Problem and the Answer to stopping it does not seem to be forth coming.

In different states, different insurance companies operate in different ways. However, in certain specific situations, all of the states operate in the same manner. One of these situations is the coverage made available to what are called high-risk drivers, a category that includes people with multiple serious infractions as well as others who have been convicted of drunk driving, variously called Driving While Intoxicated (DWI) or Driving Under the Influence (DUI). Because many insurance companies will cancel policies of such drivers, states require the ones who wish to continue driving (legally) to buy financial responsibility insurance. These are called SR22 policies.

Now, nobody is going to argue with you over the odd big night out and we all doubt you would try and drive a car after drinking, but how cautious are you about driving the next day? Many people would chose to go on a night out and stay at a friend's house before driving home or to work in the morning but this can be just as dangerous as driving the night before.