Things You Need to Know About SR22 Insurance and How it Can Save You Get Back to the Road
SR 22 insurance is not insurance, as many people would think. One would need to note that insurance tends to come as preparation and protection just in case when the unexpected happens. With that in mind, it would be wise to know when one needs an SR 22 insurance, how to acquire one.
SR-22 insurance is a document that provides evidence that you carry minimum car insurance as required by the law. It is sometimes called the certificate of financial responsibility. You would also need to note that the SR-22 insurance is also required in a case where you violate a license and end up getting suspended. You would also need to remember that even when SR-22 insurance is referred to as insurance, it is not an insurance policy. You would also need to note that some insurance companies tend to use SR-22 insurance as a shorthand. You would need to note that SR-22 insurance tends to be a piece of paper or an electronic document the insurance company may need to file for you in a case where your license has been suspended. In a case where you are found of a serious traffic violation, you may need SR-22 insurance.
You would need to note that the judge mostly orders the SR-22 certificate in instances of a serious car accident, ticket for driving without insurance, DUI or DWI conviction, too many points on your license, suspended or revoked license, or any other traffic violation.
In most states, you are required to hold an SR-22 for three years to clear a major violation. In a case where you have car insurance, but you would need SR-22, you may need to call your insurance company and request for its paperwork. You would also need to note that the state may demand the car insurance company to file SR-22 directly. In a case where your insurance is not willing to file SR-22 insurance for you, you may need to consider searching for another provider. You may need to check whether car insurance you need to subscribe to comes with SR-22 insurance and whether the insurance company charges an extra fee to file an SR-22.
You may also need to note that filing for SR-22 insurance tends to be inexpensive. It would also be critical to check whether your state demands SR-22 insurance. However, you may need to note that you will require SR-22 insurance in a case where you move to a state that demands SR-22 insurance. You would also need to note that states that require SR-22 insurance also tend to require continuous insurance coverage for two to five years depending on the state where one lives as well as the reason for the SR-22 in question. The validity of SR-22 insurance tends to be up to three years, but the period of validity tends to vary from one state to another. With that in mind, you may need to contact a provider to issue you with new SR-22 insurance in a case where your SR-22 insurance expires.