SR22 insurance is a special type of car insurance coverage which may be required for drivers who are judged to be high risk. We will discuss more details on this special coverage as well as some key reasons why it is necessary.
SR22 insurance may be required based on several different factors. This can include the following:
- Operating a vehicle with no minimum level of car insurance in those states which require it.
- Operating a vehicle with a suspended or revoked license.
- Becoming involved in multiple moving violations or accidents over a short period of time.
- Leaving the scene of an accident.
- Being charged with a DUI or DWI infraction. This becomes especially important if the driver is charged more than once.
If a driver is required to obtain this type of coverage, it can generally be issued by one or more car insurance companies which are authorized to operate in the state in question. An individual can find out which companies can issue this type of coverage by performing a Google search on the topic. In this case a listing of companies will be provided which contains insurance companies as well as insurance brokers who can arrange for this type of coverage.
There are even some websites which will allow a driver to obtain quotes and ultimately obtain coverage through online transactions. The necessary forms can be emailed to the application and returned as an attachment.
And once the coverage has been confirmed an id card can be issued by the company and sent to the applicant via email or an online link. This is very fast and effective.
Keep in mind that if you are required to obtain SR22 insurance, it usually be remain in force for three continuous years. If the driver abides by this requirement and avoid any further problems then this coverage can be converted to a traditional policy at lower cost.
But keep in mind that while this coverage is normally issued at higher cost than a traditional policy, it can still be a very necessary and important type of coverage to obtain.
If this type of coverage is not obtained and kept in force as required then that driver risks losing driving privileges. It is therefore important to make certain the coverage is properly obtained and kept in force as required. This will help to avoid any issues related to this at risk driver.