If you’ve been charged with a DUI or other serious driving infraction, you’re considered a high-risk driver and may need an SR-22. First, let’s clarify that an SR-22 is not to be confused with auto insurance, although some people might believe it is. In actuality, the SR-22 is a document, an endorsement to be exact, that is filed with the Department of Motor Vehicles, indicating that you have auto insurance, although you might be paying a pretty penny for it.
Those unfamiliar with the SR-22, who suddenly find themselves forced to obtain one, have to understand that there are a number of misconceptions out there that can definitely steer you wrong. That’s why, it’s important to know the facts before you get mislead by all the false information.
Again, to repeat – an SR-22 does not replace your auto insurance. It’s merely an official notification, in the form of an endorsement, presented to the Department of Motor Vehicles that verifies that you are following the state guidelines by acting in a financially responsible manner by maintaining current auto insurance that fulfills the minimum auto insurance requirements. And, while finding affordable SR-22 insurance won’t be easy – it isn’t impossible.
What it will take is time and shopping around to find an insurance company that specializes in drivers like you, with poor driving records. Remember, because of your past or habitual behavior behind the wheel, you’ve been labeled a high risk, which means you can expect to pay much higher insurance rates than drivers in the preferred group. There’s really no way around that. But, it also doesn’t mean you can’t find a policy that will be somewhat affordable.
As far as obtaining the SR-22, start with getting an insurance company willing to take you on as a policyholder. Once you agree to their premiums, the company that issues you auto insurance will file the SR-22 document with the DMV for you. Keep in mind that you cannot get the form from one insurance company and then buy insurance from another company. Whoever offers to insure you is the same one who will issue you the SR-22. Having insurance on the same car from two different carriers at the same time is against the law. You have enough troubles already…why make things worse?
Don’t make the mistake of believing that since the SR-22 may reinstate your driving privileges, once in effect, you can’t lose those newly reacquired privileges. All you need to do is get pulled over for another DUI or commit some other serious violation and the Department of Motor Vehicles still has the authority to suspend or revoke your driver’s license.
The idea behind the SR-22 is that it’s an opportunity to drive while you get your act together, maintain an improved or clean driving record, and show you’re paying your auto insurance on a regular and timely basis. After all, SR-22s aren’t forever. It’s entirely up to you how long you have one. Simply clean up your act and, in a few years, you may be driving with preferred rates insurance and won’t need one.
No matter what your driving record looks like…make sure you’re getting the best rate on your auto insurance. Why not get a free auto insurance quote today?
Have you ever had to deal with SR-22 insurance? Feel free to share your thoughts in the comments section below.