Can SR-22 Insurance Help You Get Back On Track?
Most states will require you to file an SR-22 form following a severe violation. These incidents can include anything from DUI charges to reckless driving tickets. Whatever the case, most insurance companies will automatically classify you as a high-risk driver if they need a file an SR-22 on your behalf with the state.
Since an SR-22 requirement almost always means higher premiums, most people want to clear this requirement and get back on track as quickly as possible. This guide will help you understand how you can work through your SR-22 requirement to begin enjoying lower insurance premiums again.
How Your SR-22 Affects You
An SR-22 requirement is surprisingly simple. Contrary to popular belief, it's not a requirement to obtain any particular type of insurance. Instead, the state requires your auto insurer to file an SR-22 form on your behalf. This form allows the state to ensure that you're meeting minimum coverage requirements, which typically include some form of liability or no-fault coverage.
The issue isn't the form itself but what it says to your insurer. When the state requires a driver to file an SR-22, insurers know that they're dealing with someone who may have a severe offense on their record. As a result, premiums are usually much higher to account for the perceived risk to the insurance company's bottom line.
Some companies may even refuse to cover SR-22 drivers, while others may require unreasonably high premiums. If a judge has just ordered you to file an SR-22, it's usually a good idea to shop around for insurance to check for companies that can work with you to get you a better rate. Be sure to tell an insurer that you require an SR-22 before requesting a quote.
Moving Past Your SR-22 Requirement
An SR-22 requires your insurer to immediately inform the state if your insurance coverage lapses for any reason. In other words, purchasing and maintaining coverage is the best way to eliminate this requirement. Note that most states usually impose SR-22 requirements for fixed periods, and you probably can't reduce this time any further.
Instead, focus on keeping your insurance coverage in good standing while avoiding any traffic incidents. You may also want to consult with your court order and state laws to determine if any other factors may extend the length of your SR-22 requirement. However, in general, simply being a good driver with the correct levels of coverage will eventually allow you to purchase regular insurance again.
For more information on SR-22 insurance, contact an insurance agency like Bill Blake Auto Insurance.
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