It's difficult not to get carried away when you're on the wheel no matter how careful you want to be. If you are the type of person who likes to drive senseless across country roads or you if the yellow light does not intimidate you, then your chances of being apprehended by traffic enforcers are always high. If you fit the bill, you must have SR-22 auto insurance.
What is an SR-22 Auto insurance?
An SR22 insurance plan or a Certificate of Financial Responsibility (CFR) is a certificate that is given to you by your auto insurance company to verify that you have coverage in case of liability. It is not an insurance per se but it can be used as a proxy if you cannot show financial capacity if you are in an accident or you are found guilty of a traffic offense.
If you are the type of person who absolutely does not drink or drive and has little to zero driving violations, then you might not need SR-22 auto insurance after all. However, if you have repeat traffic offenses in a short time period, has a revoked or suspended license, or have serious DUI or DWI problem, SR-22 auto insurance is helpful in keeping or reinstating your driving privileges.
How Do You Get SR-22 Auto Insurance?
To get an SR-22 auto insurance, you must have a car insurance policy. It is highly recommended to shop around first before settling on an auto insurance company. If you require SR-22 auto insurance, you might be considered a high-risk driver and car insurance plans tend to vary in terms of coverage. It is important that you study these policies to make sure that you are protected.
Once you have decided on a car insurance policy, the insurance counselor will review your coverage before they file the request for SR-22 auto insurance from your state's Department of Motor Vehicles. The requirements will vary from state to state and you will be charged a filing fee.
How Long is an SR-22 Valid?
An SR22 auto insurance plan is valid as long as your car insurance policy is valid. Generally, a car insurance policy is valid for approximately three years. Several driving violations take three years before they can be expunged from your record. So, if you think you have no need for an SR-22 anymore, there is no need to request for it. However, you cannot always account for what will happen around you and when unpredictable things happen, you'll always be glad that you have an SR-22 stashed in your dashboard.