Why Do You Need SR-22 Insurance?
Posted on: 21 May 2019
Did you recently receive a notice in the mail stating that you are required to purchase an SR-22 auto insurance policy? If so, it is likely because you committed some type of driving violation, but this is not the only reason you might need it. Here are several reasons you might need SR-22 insurance, as well as a few important things you should know about it.
Reasons You Need It
When you receive a notice that you need SR-22 insurance, it will be a requirement that you purchase a policy if you want to continue enjoying the privilege of driving a car with a valid license. States require this type of coverage for people who are considered high-risk drivers, and requiring this type of coverage is designed to protect other people. It is also designed as a consequence for people who commit certain types of driving crimes. Here are several reasons people are required to purchase SR-22:
- They were caught driving without having auto insurance.
- They had too many driving violations.
- They were charged with a DUI or DWI.
- They were caught driving with a suspended license or no license at all.
These are some of the common reasons people will need to purchase SR-22 insurance. If you recently experienced any of these things and have not received a letter yet stating that you need it, you will likely receive the notice within the next few weeks. You do not have to purchase SR-22 insurance until you are told you need it.
Reasons to Get SR-22 Insurance
If you know that you need SR-22, you cannot just skip getting it without facing huge consequences. One of the main consequences you should get the insurance coverage is to protect your driver's license. Failing to purchase a policy and notify the DMV that you did will usually result in losing your driving privileges.
Secondly, failing to get an SR-22 policy will delay your ability to get your license back. If the DMV suspends your license for failing to purchase the right insurance, you will not be able to get your license back until you get the policy. Even then, though, you may experience problems trying to get it reinstated.
Purchasing SR-22 insurance will likely cost you extra money, but it is not something you can just ignore. If you need this type of coverage, do not delay. Call an insurance company to get a policy started today.
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