When driving it is not enough to have with you your latest vehicle registration, latest car insurance and valid driver’s license. Along with these documents, you need to always have a clear presence of mind and sense of responsibility. Yes, these documents are necessary since without any of these could result to your license being suspended and revoked. However, without good driving values would also result to suspension and revocation. This is why you should not drive if you lack any of these since this would cause you SR22 insurance coverage.
SR-22 form is asked whenever your license is suspended or revoked. This is issued by your auto insurance company and presented to your state’s Department of Motor Vehicles as a proof of your financial responsibility. In order to get your license back, you need to show to the state that you have enough coverage to drive legally again. Here are some common reasons for filing SR-22 coverage.
Multiple Traffic Violations
From speeding to running a red light, you are a good candidate for SR-22 whenever you keep doing traffic infractions even if they tend to be minor lapses. Once you are pulled over, you are issued a ticket but when you accumulate multiple numbers of traffic tickets in a span of one year, you are then ask to file for SR-22. Each state has different limit of traffic tickets and once you go overboard on the required number you must submit SR-22 forms to your state’s Department of Motor Vehicles.
DUI or DWI
Driving under the influence (DUI) or driving while intoxicated (DWI) is a sure way of getting arrested and convicted. Any sane person knows how dangerous it is and once you are caught in this situation, your license is suspended and the only way to get it back is to present SR-22 form. SR-22 should be presented and verified by an auto insurance company and the penalty period for this misdemeanor is at least three years. You need to have your SR-22 form wherever you are going and need to be shown along with your registration, license and insurance card when asked by a traffic enforcer.
An accident on the road is something no one ever wants to think about but the fact that this happens all the time makes everyone more careful in driving. When you encounter an accident and your insurance is not enough based on the required minimum liability coverage in your state, you are required to obtain an SR-22 form. You need to show to the state that your insurance can cover the damage you have done. If you failed to submit an SR-22 form, your license and vehicle registration would be suspended or revoked. In addition to obtaining an SR-22 form, you also need to pay a penalty fee required by your state.
These are the most common driving misdemeanor that would require SR-22 coverage when convicted. SR-22 form is needed to get your license back and your car registration active. This is to show to the state that you are aware and liable to any violations you have done.
Unless you have been living outside the country for all your life, SR-22 insurance may be unfamiliar to you. Many people dread having SR-22 coverage because their insurance is more costly this time but they often overlook the reasons in obtaining it in the first place. SR-22 form is a document or a certification which serves as a proof that you have auto insurance. You need to submit this to your state’s Department of Motor Vehicles which is verified and issued by your auto insurance company to show that you have enough coverage to pay for any damage incurred when you were violating traffic rules.
Many people think of it as a kind of insurance but actually SR-22 is a document to be presented so that you can get your license back and drive legally again. This is an added coverage in your insurance which you need to pay for at least three years.
SR-22 laws vary from state to state. Majority of the states require you to carry SR-22 forms all the time when you are driving for three to five years. But this depends on the intensity of your violation. Second time offenders could have a penalty period up to ten years and third time violators could go as high as twenty years. When you already have an SR-22 form, you need to present this with your registration and license when you are pulled over by a traffic enforcer.
You need to know beforehand the minimum liability coverage in your state and the requirements to obtain an SR-22 forms. Since not all auto insurance companies handle this kind of service, you need to shop for the best company offering you the best rate. There are now online insurance companies which handle and manage SR-22 coverage and could be done in just minutes.
Though each state has different rules regarding SR-22 coverage, there are also states which do not have any existing laws about this. The states of New York, North Carolina, Kentucky, Delaware, Pennsylvania, Minnesota, Oklahoma and New Mexico do not acknowledge SR-22 forms. But if you incur your suspension or revocation in other states and you transfer your residence in any of these states, you need to continue your SR-22 coverage.
SR-22 coverage may differ but offenses and traffic violations which lead to this are the same in all states. The reasons behind SR-22 coverage is when the driver is convicted to DUI or DWI, excessive traffic violations in a year, getting in a vehicular accident with no insurance and suspension or revocation of driver’s license. When you are caught in any of these situations, you need to submit SR-22 forms to clear your record. Failing to secure SR-22 coverage may result to no license and no vehicle registration.
You need to bear in mind that it is necessary to clear your SR-22 coverage right away since any violation could taint your driving record. Auto insurance companies usually hesitate in enrolling you when you have bad driving record because you are considered a high risk driver. In order to avoid this, you need to right away answer and clear any offenses or violations you have committed.