For drivers who operate a vehicle, it may be necessary to obtain SR22 insurance. We’ll discuss this kind of coverage and how to obtain it.
SR 22 insurance is a special kind of insurance which is typically required for high risk drivers or for special circumstances. For example it may be required if a driver is found to be driving with no insurance coverage at all. For states like Illinois, this is a very serious offense and obtaining SR 22 insurance is normally the only way a driver can operate a vehicle in that state under these circumstances.
There are other factors which can require a driver to obtain SR 22 insurance. This can include the following:
– Operating a vehicle while under the influence of alcohol. This can include a DUI or DWI.
– Involvement in a serious moving violation such as excessive speeding or leaving the scene of an accident.
– Have been responsible for repeated traffic offenses or have gotten too many tickets within a short period of time.
– Driving with a suspended or revoked license.
If you are required to have SR 22 insurance, you can usually obtain this kind of coverage from many insurance companies in your state. Contact your local insurance agent or do a Google search to obtain more information and details on how to proceed.
When you do obtain this kind of coverage, the insurance company notifies the state that you are properly covered and you can normally legally operate a vehicle. And keep in mind that once you are required to obtain SR 22 insurance, you must normally keep this coverage for three years.
If your insurance policy lapses or is cancelled, the insurance company which issued this policy is required to notify the state and your license can become suspended or revoked. And it is important to note that you are still required to have SR 22 insurance even if you move out of the state which originally required the coverage.
If you maintain the coverage for three years and don’t have any more infractions, the coverage can normally be removed and you can again qualify for more conventional car insurance coverage. But be sure to check with your agent to make certain you are complying fully with the requirements of your particular state.
This kind of coverage may be more expensive than other kinds of car insurance but it is designed to protect other drivers and citizens from higher risk drivers. If you find yourself in this situation, do what is necessary to obtain proper coverage so you can better protect you and others on the road.