If you own and operate a vehicle, it may become necessary for you to obtain a special kind of coverage called SR-22. This is coverage which tends to be issued for at risk drivers and it is designed to protect other citizens as well as the driver. SR-22 filings with the state are generally required for these situations so let’s discuss their importance and the process involved.
As indicated earlier, SR-22 filings are generally required for drivers who are considered at risk. Most states require that all drivers maintain insurance coverage. If a driver is caught without a minimum amount of this coverage, it can be reason for them to obtain SR-22 filings.
It may also be required if a driver drove with a suspended or revoked license. It can also occur if the driver has had many traffic infractions over a short period of time. And if a driver is involved in a DUI or DWI then this is usually cause for an SR-22 filing.
There are still other factors which can lead to the need to have an SR022 filing. If a driver gets involved in an at fault fatal accident then this would often be justification. Excessive parking violations without payment are common reasons as well. And lastly the failure to pay child support can necessitate this kind of coverage and filing.
Without SR-22 insurance coverage you may not be able to operate a vehicle in the state of registration. This coverage can be obtained from many insurance companies so don’t worry. Once coverage has been established, the insurance will file all necessary paperwork with the state.
In order to be in compliance, minimum levels of insurance are required. This is usually specified in liability coverage which is at least $20K for one person; $40,000 for more than one person and $15,000 for property damage.
Filings must continue for up to three years. And if a person does not pay his premium and this special coverage ceases, the insurance company is required to file a notice with the state. This will evoke severe penalties and other actions so this is something to be avoided.
But as long as the proper coverage is maintained, the insurance has a legal obligation to make certain that the SR-22 filings are done properly and on a timely basis. As long as you pay your premiums and drive within the letter of the law, you should have no issues.