How To Determine If You Need A SR 22
An SR 22 is a document that serves as proof that an individual has minimum auto insurance. This form is required of those who have had trouble with the law in regards to their driving or insurance. Ultimately, it protects the individual and anyone he may be involved in an accident with. If you have ever had DUI or do not have proof of insurance, you likely need to file an SR 22.
In most cases, SR 22’s are required of those who have been convicted of driving under the influence or while intoxicated. People who tend to get speeding tickets or those who have had a lot of automobile accidents should also have an SR 22. A suspended or revoked drivers license or other repeated traffic offenses require a person to have an SR 22. A simple phone call to the department of motor vehicles can help you find out if you should get an SR 22.
Individuals who choose to drive under impaired judgment or in a reckless manner endanger others on the road. If your driving privileges have been taken away because of this, getting an SR 22 can help you get them back. In the case of an accident, the form provides proof of insurance, which helps to financially protect others who might have been in the collision.
Under certain circumstances, the form may be court ordered or state ordered. Those with court ordered SR 22’s are made known of their need for this form at some point during the ruling. This is true in cases such as DUI’s, DUI’s, and outstanding speeding tickets that require a court appearance. In cases of state ordered SR 22’s, individuals are usually notified by the DMV.
Before you can file for an SR 22, you must meet the minimum auto insurance requirements. If you do not already have it, you need to begin the process of acquiring a policy that that meets your state’s requirements. Your state’s Insurance Department can help with this to ensure that you get the right kind of car insurance.
If you already have the required insurance, you can talk to a representative of your insurance company, as they are the ones who issue the form. The agent can help you discover whether you need an SR 22 and, if you do, begin to walk you through the process of filing for and receiving one.
However, be aware that not all insurance companies provide this kind of coverage because it is considered “high risk.” In fact, if you are suddenly required to carry an SR 22 but it is not available from your insurance provider, your company will likely drop you. If this happens, it is crucial that you find a company that can get you an SR 22 as soon as possible. Until then, you will be unable to safely or legally drive your vehicle.
If you currently have an SR 22 in one state but move to another one, you must still fulfill the requirements of the SR 22 of your previous state. You may want to consider postponing moving until you fulfill your SR 22.
Also, because you are considered a high risk carrier, you will be paying a higher than average premium with an SR 22. In order to find SR 22 rates that best fit your needs, you can begin by comparing rates online. Contacting the Insurance Department is an efficient way to compare rates as well. Although insurance will be more expensive for a time, your rates should come down eventually as long as you practice safe driving habits.
Once you receive the form, you will be required to carry it for a specified period of time. This is typically about three years but can be as much as five years. This time serves as a probationary period of sorts. While you carry this form, you must maintain the required minimum insurance without allowing it to expire. If your policy lapses, your insurance company will notify the state and your license will be suspended. You will then be required to get a new SR 22 and begin the process all over again. After the predetermined time is up, the SR 22 expires.