The worst consequence of getting involved in an accident without auto insurance, getting your driver’s license suspended or revoked, or being cited for: driving under the influence (DUI); reckless driving; three moving violations in just one year; and driving without auto liability insurance, is getting required by a court to carry an SR-22 filing.
An SR-22 is a certificate which your car liability insurance provider will send to your state’s Department of Motor Vehicles (DMV), informing this agency that you are covered and, therefore, has the financial capability to compensate anyone who you may injure or whose property you may damage in an accident wherein you are at fault (compensation, of course, will not be paid by you but by your car insurance provider).
If you already have insurance coverage prior to being required to carry an SR-22 filing, all you need to do add the SR-22 filing in your insurance policy. However, if you are uninsured, then before you can file an SR-22, you will first need to purchase a car insurance policy.
If you are uninsured and chose to drive without insurance because you find car insurance too costly, then an SR-22 requirement can definitely hurt. First, because an SR-22 will make your car insurance policy still more expensive. Second, because this usually lasts for three years, but can be extended by a judge to five years if you had been required to file it due to a DUI offense. This means paying higher premiums (which you have tried hard to avoid) for three or five years. Third, there is an an SR-22 filing fee (the fee varies by state, but usually falls between $15 and $25).
An SR-22 is the only thing that can immediately lift the suspension or revocation of your driver’s license. To continue enjoying your driving privileges, you should never lapse in paying your insurance premium or cancel your insurance coverage altogether, otherwise, your car insurance provider will notifying your state’s DMV about the cancellation of your insurance coverage (since this is one of its legal obligations); this will result to your license getting suspended or revoked again.
According to the website of Second Gear Magazine, even if you had been required to carry an SR-22 filing, finding the policy that will provide you all the coverage you need at a rate that fits your budget is just a phone call away or just requires a few clicks on your computer keyboard.
Independent car insurance firms exist to protect the interests of customers who need to be insured. By providing customers with free online insurance, as well as SR-22, quotes, customers are able to compare policy coverage and prices from a wide range of insurers. Compare, choose and purchase the policy you need and get your insurance ID card instantly via email; this is the same if you need to file an SR-22.Read More