3 Things You Should Know About SR-22 Insurance

Were you told that obtaining SR-22 insurance is mandatory after trying to get your driver's license reinstated? If you are worried about having to switch to a different auto insurance company, there might not be anything to worry about it. This article will go over a few of the important things that you should know regarding getting SR-22 insurance.

1. SR-22 Insurance Is a Certificate of Responsibility

The main thing that you must know is that SR-22 insurance is not actually coverage for your vehicle. You are simply being required to prove to the Department of Motor Vehicles (DMV) that you have insurance coverage. Basically, the DMV has classified you as a high-risk driver, and SR-22 is a protective measure in case you cause a collision with other drivers.  The DMV wants to make sure that other drivers will not be left in a financial bind if you happen to cause a collision. It is typical for SR-22 insurance to be required for drivers who have had multiple DUI offenses.

2. You Need Auto Insurance to Get the SR-22 Certificate

There is no way to obtain a certificate of responsibility unless your vehicle is covered by auto insurance. Being that your vehicle is already covered by an insurance company, all you will have to do is ask if they offer the SR-22 certificate of responsibility. If the company is unable to provide SR-22 certificate services, you will have switch to a different auto insurance company whether you want to or not. It will then be the duty of the insurance company to send the certificate over to the DMV in your area. Your license will actually not be reinstated until the DMV has received the certificate of responsibility that proves you have insurance coverage.

3. You Must Keep SR-22 Insurance for a Few Years

Once you have been mandated to obtain SR-22 insurance, you can end up in trouble with the DMV if you are caught driving without it. Rather than getting your driving privileges suspended, you might end up losing the ability to legally drive altogether. It is common for SR-22 insurance to be maintained for several years. It will be up to the DMV, as well as your specific offense, as to how long you must keep the insurance. Keep in mind that your insurance company will notify the DMV if you stop paying for auto insurance coverage. 

For more information on SR-22 insurance, contact an insurance agency like Angel Auto Insurance.