Understanding SR-22 Insurance

Auto insurance serves an important purpose when it comes to protecting the financial interests of drivers on public roadways. Basic insurance policies are required by most states, but some drivers are required to carry an additional certification known as SR-22 insurance.

Understanding this insurance designation will help you be prepared to navigate the process of obtaining and maintaining SR-22 insurance if the need arises.

What is SR-22 Insurance?

An SR-22 certification is a specialized addendum to your existing auto insurance policy. A certificate is filed by your insurance company with the Department of Motor Vehicles and your state's Highway Patrol.

The certificate states that you agree to maintain a valid auto insurance policy for a given period of time. 

Who Needs SR-22 Insurance?

Only certain drivers are required to obtain SR-22 insurance certification. These drivers are typically those who are deemed to be high-risk operators. Some infractions that might result in the legal requirement of an SR-22 certification include DUI, multiple at-fault accidents, or receiving too many speeding tickets.

The length of time the court requires you to carry SR-22 insurance will vary based on your driving record and the severity of your offenses.

What are the Consequences of SR-22 Insurance?

Now that you understand what SR-22 insurance is and why you might need to obtain it, you must become familiar with the consequences of being required to maintain an SR-22 certification.

You must maintain a clean driving record for the duration of the SR-22 certification period. Any new infractions that you receive could restart the certification period, extending the amount of time you are required to carry SR-22 insurance.

Your insurance company can charge you a premium for issuing an SR-22 certificate. If you receive additional tickets during the certification period, your insurance rates could increase significantly. In some cases, drivers can have their license revoked as a result of failure to abide by the terms of an SR-22 insurance policy.

You have a responsibility to operate your vehicle with care and caution each time you get behind the wheel. Failure to demonstrate your ability to drive safely can have consequences. An SR-22 insurance policy allows the government to keep tabs on you and your driving activities.

Understanding the ins and outs of SR-22 insurance certification will allow you to maintain compliance throughout the certification period if you are required to carry SR-22 insurance at any time in the future.

For more info, contact an auto insurance company.