Driving can be dangerous and risky at times. Auto insurance helps to protect drivers, vehicles and others involved in an accident from the financial devastation which might otherwise be caused. But some drivers are viewed as higher risk than others and they may be required to obtain SR22 insurance in Rockford as added protection. We will discuss more details about this kind of coverage and how one can obtain it.
There are a number of factors which may require a driver to obtain SR22 insurance. For example many states require that anyone operating a vehicle carry a minimum amount of car insurance. If you are caught without the minimum coverage, you may be required to obtain SR22 insurance.
Other situations which are viewed as higher risk may necessitate this kind of coverage. For example if someone is charged with DUI or DWI, then he/she may be required to obtain this kind of coverage.
Or if someone has an excessive number of traffic tickets or moving violations, this may be justification for this special kind of coverage. If a driver operates a vehicle and has either a suspended or revoked license, then SR22 insurance may be immediately required.
If a person is required to obtain this kind of coverage, he/she can find it offered by many insurance companies. Contact an insurance company directly or an authorized agent for more details.
In many cases the policy can be immediately issued and an insurance card issued so the driver can get back on the road fast. Keep in mind that this kind of coverage is generally required to be maintained for a period of three years. At that point, the driver may be able to convert to a conventional policy is he/she has maintained continuous coverage and not run into further problems.
However the insurance company must report information about their SR22 policyholders to the state on a regular basis. If the policyholder does not continue to pay for this coverage and it lapses, the insurance company must then immediately notify the state. At that point there would be serious repercussions like penalties or even jail time.
The state takes the requirement for SR22 insurance very seriously and so should you. If you are required to carry this type of coverage, do so immediately and keep it in force for the time period required. It will help to protect you and others from unforeseen issues and enable you to operate a vehicle legally and trouble-free.