Were you notified that you must file for SR22 status? If so, do you know what that even means? Essentially, SR22 auto insurance is form of high-risk coverage that doubles as proof of insurance. After filing the paperwork with your insurance provider, that information will be passed on to the DMV and entered into a database that allows police to monitor your driving activity.
Why did you receive an SR22 notification? There are a number of driving infractions that deem this coverage necessary, such as:
- Being convicted of a DUI or DWI
- Driving without a valid license
- Driving without adequate insurance
- Accumulating excessive points on your driving record
SR22 insurance arises from your own actions on the road. Because you’ve been deemed a high-risk driver, you will be expected to retain SR22 coverage for up to three years, depending on the laws in your home state. You can also expect to pay a much higher premium for this coverage — often costing twice or even triple the amount of normal auto insurance. However, if you neglect to pay or otherwise let your coverage lapse, your license could be suspended.
After fulfilling your SR22 obligations, the status will be removed and you can once again qualify for normal auto insurance rates. However, take the experience as a lesson. Road safety is not something to scoff at. Cautious driving not only benefits your safety and your wallet, but it also benefits everyone else that shares the roads with you.
We’ve got your back. Call Breathe Easy Insurance at 866.822.7755 for more information on SR22 insurance.