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.