If you don’t have any idea about what SR-22 insurance is, it is good for you. I mean, it proves that you are a safe driver. Yes, you’ve guessed it right. SR-22 is connected to car insurance. To make it clearer, it can be said that SR-22 is connected to vehicle liability insurance.
Not knowing what SR-22 insurance says that you are a good driver. However, to learn a complete lesson about vehicle liability insurance, it is important to learn a few things about SR-22 coverage.
The first thing that you need to know is, SR-22 is not insurance. In case of a few incidents, your insurance company can file an SR-22 or CFR (Certificate of Financial Responsibility)with your DMV (Department of Motor Vehicles).
The incidents include –
If you have recently experienced serious traffic offenses, like blowing or speeding through a stop sign, an SR-22 might be filed against you. It becomes more serious if you accumulate them in a short span of time.
If you are at fault at a car accident and you are not insured, SR-22 is filed against you.
Another reason for filing an SR-22 is DUI or driving under the influence or driving while impaired (DWI).
If you are involved with any of the above-discussed incidents, you should provide the proof of insurance to your department of motor vehicle (DMV). The insurance companies can help you to get rid of such situations. Your insurance company files an SR-22 as a certified proof that you have the state required insurance limits.
Remember, SR-22 insurance is for high-risk drivers. Therefore, filing an SR-22 form might increase your auto insurance premium.
The state might impose an SR-22 for a minimum of 3 years. However, you might have to file it for a longer period of time if you are found guilty of an accident or of an event that requires filing an SR-22.
You can follow a number of steps to avoid SR-22. They are –
In order to get a driving license, you have to pass comprehensive driving tests. To get more knowledgeable about the road safety laws of your state, you should enroll yourself in defensive driving or driver safety courses.
In order to become a safe driver, you should avoid
Having vehicle liability insurance can help you to avoid the SR-22. You should at least have the minimum coverage for auto insurance. Without this coverage, you might end up with an SR-22 certificate on your driving record.
Need help with SR-22 insurance? Don’t worry! We can help you in the most efficient way possible. Call us today to get quality coverage.