If you've been convicted of a traffic violation such as a DUI, or driving without insurance, the courts may require you to provide SR-22 coverage. If that's the case, it's important that you provide proof of coverage as quickly as possible. It's also important that you maintain proper coverage for the time specified. Failure to provide the SR-22 coverage, or to maintain it, could result in your driver's license being suspended. Here are a few things you need to know about your SR-22 coverage.
SR-22 Coverage is not Insurance
If you've been ordered to provide an SR-22 filing, you might think that it's insurance coverage. However, you'd be mistaken. SR-22 is a form that's used to verify that you're maintaining the proper auto insurance. You'll need this certification in addition to your auto insurance. If you don't have auto insurance right now, you'll need to obtain coverage and then request an SR-22 filing through your new insurance company. The good news is that the certification filing isn't all that expensive. That bad news is that obtaining insurance coverage after a lapse can be. You'll need to shop around for the best rates and for a company that will file the required SR-22 form for you.
SR-22 Requirement Moves With You
If you're required to carry SR-22 certification and you move out of state, your requirement will move with you. However, your certification might not, especially if the state you're moving to doesn't utilize the SR-22. If that's the case, you'll need to obtain an insurance policy with a nationwide insurance company that can assist you with out-of-state SR-22 certification. It's important to note that if you fail to obtain the proper certification, your driver's license will be suspended, and your new state of record will be notified.
SR-22 Requirement Isn't Permanent
If you've been convicted of a traffic violation, and you're required to carry the certification, you may think that it's a permanent requirement. Luckily, that's not the case. Most states require you to maintain the coverage for several years. However, once the time limit is met, the requirement will end. It is important that you avoid a lapse in insurance coverage during the period that your SR-22 requirement is in force. If your insurance does lapse during this time, the DMV will be notified and your driver's license will be suspended.
If you've been ordered to provide SR-22 certification, the information provided above will help you understand the process, as well as help you avoid problems.
Share27 December 2018
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