Are You an Unlucky Driver? Got a DUI? Do You Live in California? - Welcome to the SR22 Insurance Club!
Are You an Unlucky Driver? Got a DUI? Do You Live in California
? - Welcome to the SR22 Insurance Club!It is mandatory for every driver, in every state to carry auto insurance. Drivers who fail to carry proper insurance coverage for their automobile can get in serious legal trouble and end up paying a hefty fine, as well as risking having their driver's license suspended or revoked. For those drivers with accidents and serious moving offenses on their driving records, an SR-22 form must be filed. Though it is often called SR22 Insurance, it is important to note that an SR-22 is a FORM, not a type of insurance, that provides law enforcement and state officials with evidence that you indeed have purchased car insurance, and you are therefore responsible for financial damages. Thus, an SR- 22 mainly serves as additional proof, or secondary receipt, that you indeed do have auto insurance coverage.
SR-22 insurance is required by high-risk drivers in California in order to get their licenses reinstated when convicted of DWI and DUI offenses. Generally, the SR-22 form is not filed by all insurance companies and it is always better to ask your car insurance company if they can indeed file an SR- 22 to avoid any type of infractions, or penalties on the road.
SR-22 auto insurance is not only important for those who are driving their own vehicle but also when you are driving someone else's vehicle. If you are pulled over for a moving violation such as speeding, reckless or careless driving, DWI or DUI offenses, you can use it accordingly as proof of insurance. The importance of SR- 22-auto insurance is increasing every day and is now accepted and required in most states. The requirements for getting an SR-22 form vary from state to state may be more lenient in different states, and prices will vary. If you are re-locating to different state from that in which you already have filed for SR-22 Insurance then you should ask your insurance company the requirements that are necessary in filing for an SR-22 in your new state.
SR- 22-forms work as proof of auto insurance coverage and remains on file with the DMV for three years from the date of issue. During this three-year period, the insurance policy, or a similar one, must stay in effect. If during the three-year period, you alter or cancel your policy, or if you are dropped by your insurance company, you must get another SR-22 from your new insurance provider immediately, otherwise you will be subject to license suspension or even criminal charges, depending on the circumstances. Therefore, it is better to be safe than sorry. If you find yourself in a situation where your driving record is tarnished, do yourself a favor and file for an SR-22 through your California auto insurance company and save yourself a great deal of legal woes, and extra expense! Welcome to the SR22 Insurance Club... Hopefully you won't be a member too long!
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