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.