Wheeling SR 22 insurance can be the only way you can operate a vehicle legally if you are deemed to be an at risk driver based on a number of factors. We will explain further why you may need this kind of insurance coverage and how you can obtain it when necessary.
SR 22 insurance may be required for a number of reasons. For example if you operate a vehicle with no insurance or less than the state mandated amount, you will most likely be required to obtain SR 22 insurance coverage if you are caught.
Or if you decide to drive a vehicle with a suspended or revoked license and are caught doing so, then SR 22 insurance may be required here as well.
High risk drivers may get involved in an excessive number of moving violations or accidents over a fairly short period of time. If this has happened to you, it may result in the need for this special kind of coverage.
Drivers who are charged with a DUI or DWI are also viewed as high risk and may be required to obtain this coverage.
If you are involved in an accident but leave the scene of that accident before it has been properly reported, this is a serious traffic infraction which could cause you to obtain SR 22 insurance coverage.
This coverage is issued by many insurance companies throughout the state and the local area. If you need to get this insurance, one way to find the companies which issue it is to look through a local directory like the Yellow Pages. Many companies which can get this coverage issued have ads for the local area which indicate that they can issue SR 22 policies.
It is also easy to find companies over the Internet. If you perform a Google search on this topic, you will obtain a list of websites you can visit to learn more. Some companies can even quote you instantly and then issue the necessary documentation quickly through their online system.
Keep in mind that the state requires all insurance companies which issue this type of policy to report information on policy holders. They also need to report if there is any lapse of coverage. Since it is normally required to maintain coverage for three continuous years, it is very important to keep your policy in force throughout.
If you do so and do not run into further problems, you should be able to drop the coverage and get a regular insurance policy. This will lower your payments. But until such time, keep this coverage in force and avoid any further traffic infractions or driving related issues. Doing so will enable you to continue to operate your vehicle legally in the state.