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Top Situations in Which You Will Need SR-22 Insurance

Top Situations in Which You Will Need SR-22 Insurance

SR-22 insurance, also known as “certification of financial responsibility,” is a way of ensuring that you have the minimum amount of coverage required to drive an automobile. While it is not necessarily insurance in itself, it does function alongside insurance to prove that you are indeed covered at the time of any infraction or accident. As such, it helps to know in which situations you’ll need SR-22 insurance. Here are the top situations in which you will need SR-22 insurance!

When Do You Need SR-22 Insurance?

SR-22 insurance is a required certificate that one must get in certain situations. In most circumstances, a person must maintain an SR-22 filing to keep the privilege of driving after their license is suspended. A license could be suspended due to illicit activity, including but not limited to:

  • DUI conviction
  • Driving without insurance
  • A serious car accident that is the fault of you
  • Suspended or revoked license
  • Too many points on your license

How Long Do You Need SR-22 Insurance?

When you have to get it, SR-22 insurance will be mandatory for some time. Most states will only require you to hold this insurance license for three years following the occurrence that caused you to need such insurance. However, some states will require you to hold it for longer or shorter periods of time. In most cases, your insurance provider will take care of this either way, but it is important to keep up with your required insurance documents. Just remember that the longer you keep the insurance going, the sooner you can get back on the road.

How To Avoid Needing SR-22 Insurance in the Future

Preventing yourself from having to get an SR-22 is as easy as following the law. Here are some driving tips that are sure to keep you from needing SR-22 insurance:

  • Practice defensive driving.
  • Keep all insurance documents updated and paid for.
  • Do not drink and drive: plan ahead and buy a taxi.
  • Be aware of any serious dangers while on the road.

In short, if you follow all the recommended safe driving practices, you will have no problem avoiding an SR-22 requirement.

We hope that this article has helped you understand the top situations where you will need SR-22 insurance. In the future, always ensure that you are a safe driver! Doing your best to be safe while on the road will help you avoid needing one of these insurance forms again!

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