If you have been instructed to buy SR22 car insurance, you shouldn't take the ruling for granted. This certificate shows that you're a high-risk driver and should be filed with the state's department of motor vehicles for a specified period.
Suppose you have never been in this situation before and don't know how this works. In that case, you likely have many unanswered questions. This post will answer some common questions to help you understand your situation, so you don't make more costly mistakes.
When is an SR22 Certificate Required?
Your state or a court will order you to get an SR22 if you are caught driving around without a valid license or insurance coverage. You may also get this order if you have a DWI or DUI conviction, don't pay child support as per the court order, repeat offenses within a short time, or after getting many violations and at-fault accidents. If the certificate is court-ordered, the judge will inform you in court, and if it's state-ordered, you'll get a letter from the department of motor vehicles in your state.
Does SR22 Affect Insurance Costs?
The answer to this question will vary depending on your state's requirements. If your SR22 is triggered by charges like reckless driving, DUIs, or frequent accidents, the insurance providers will know that you're a high-risk driver. Due to this, you'll be classified as a greater risk, and your insurance rates will increase. However, the amount needed to file the SR22 certificate will be minimal.
What's the Process of Acquiring SR22?
If you already have an insurance plan, your provider will give you SR22 forms to fill and submit as instructed, and they will take care of the process on your behalf. Usually, the SR22 is added to the initial policy, and then the SR22 document is filed with the state if necessary.
If you don't have an auto insurance policy or your insurance provider doesn't cover SR22s, you will have to purchase a new policy. Then, the new insurance company will assist you to get the SR22 certificate. Since most insurance providers don't offer coverage for SR22, you should consider confirming before buying the standard car insurance plan. This will save you time in the future.
How Long Should You Keep the SR22?
Every state has varying SR22 certificate time requirements. In most cases, SR22s can stay on your records for several years, and if you commit another violation within the period, you will face severe penalties. So, it's important to avoid accruing driving violations when you have an SR22 because this will reset the SR22 period, prolonging your high-risk status and increasing your auto insurance premium rates.
For more information on SR22 insurance, contact an insurance provider such as Clover Insurance.
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