Who Needs SR-22 Insurance?

Having an SR-22 can mean a lot of things – according to Franklin car accident lawyers, a person who has caused an accident and is unable to provide any proof of insurance, or having been caught with DUI or other driving offences, or have repeat driving violations in short periods of time. An SR-22 is a form of endorsement or certificate that shows proof of your financial responsibility. A person who has an SR-22 needs to carry it from a certain amount of time (usually three years), and then the SR-22 status expires.

Not all states have SR-22, and laws pertaining to them vary from state to state. There are three ways that an SR-22 certificate is issued, and these are the forms:

  • If the driver is not the owner of the vehicle, an Operator’s Certificate is issued.
  • If the driver owns the vehicle, an Owner’s Certificate is given. It should be noted that the types of vehicle should be listed on the SR-22; otherwise the certificate may be issued for “all owned vehicles”.
  • If it is issued for all vehicles (whether or not owned by the driver), an Operator’s/Owner’s Certificate is then issued.

People who have SR-22 often pay higher insurance premiums in order to prove to the state that they have minimum liability insurance. Paying the premiums before the due date or on time helps in preventing policy lapses; these lapses or cancellation of SR-22 policy run the risk of having your license revoked or suspended again. If you’re at the point where you are being forced into an SR-22, you have to be really careful about driving so as to not face these consequences.

As not all insurance companies are registered with the states, and thus not able to issue an SR-22 certification, trying to find a company that can help in filing it (especially for the first time) may be the best recourse. Always remember, policies regarding SR-22 vary from state to state, therefore it is always best to contact the insurance company of the agent about the specifics on the state.

Comments are closed.