Need an SR-22 Policy?
If you need an SR-22, don’t feel ashamed. Things happen and many people end up needing to carry one with them. However, getting one isn’t always easy, which is why it can often be helpful to talk to your insurance company so that they can get you what you need as soon as possible. For some of the readers out there, you might not even know what a SR-22 is. In case you may need to get one in the future we can start out by explaining what it is, and then how to obtain it.
What Is A SR-22?
In some cases, you may need to prove that you are covered financially with your liability. If you get caught driving without insurance you will need to carry one of these documents, which will typically last for a total of three years. Once you have carried your SR-22 for three years it will expire and you won’t need to have one on you anymore.
You have to have consistent insurance throughout this time period. This means that you can’t stop paying for insurance for a couple months and later get a policy again, hoping that you won’t need an SR-22 anymore. If you do cut your insurance for a while, you will have to restart the three year period over again.
You could also end up needing it if you get a DUI, get into an accident without being financially covered, too many tickets in only a short period of time, or have your license suspended. These are all caused by you not doing something that you needed to when driving, so just try to avoid any of these incidents.
Getting a SR-22
Like mentioned earlier, in order to get a SR-22 you will need to speak with your insurance agent. Communication is important in obtaining one of these files, so speak to them and let them know exactly what you need. Sometimes, they will figure that you need one because of marks on your driving record, but you shouldn’t rely on this. If you drive without it you will be held responsible and will face consequences. It is your responsibility to obtain one, not your insurance company’s.
Now you know what a SR-22 is, whether you need one now or later. Make sure that you carry it with you because just owning one won’t do you any good. If you are required to have one, keep your policy open for at least three years so that you can get it over and done with.
Google By Brian Marquis