You may be required to carry SR22 insurance in order to operate a motor vehicle within your state. If you fail to produce the required SR22 insurance certificate, the DMV may suspend your drivers license or keep an already suspended license suspended until a certificate is produced. SR22 insurance is a little different than regular auto insurance. Regular auto insurance covers a vehicle while SR22 insurance covers a specific driver regardless of whether they are driving their own vehicle or someone else's vehicle. There are a number of reasons why someone may be required to carry SR22 insurance. Here are four of those common reasons.
You Were Convicted of a DUI or DWI
In most states, if you were convicted of a DUI or DWI, your driver's license will be suspended for a period of time. One of the requirements you may face is carrying SR22 insurance for multiple years following the conviction. Producing an SR22 certificate is often required in order for the suspension on your license to be lifted. If the coverage is dropped before you are legally allowed to drop it, your license will then become suspended.
You Drove Without Insurance Coverage
Another common reason why you may be required to carry SR22 insurance is because you drove without insurance coverage. In some states, if your auto insurance policy lapses multiple times, SR22 insurance may be an automatic requirement, even if you were not caught driving your vehicle. In other states, you must be caught driving your vehicle without valid insurance to be required to carry SR22 insurance.
You Have Been Involved in Multiple Accidents
If you have been involved in multiple accidents and you were found to be at fault for these accidents, your driver's license may be revoked or suspended. When you are able to reinstate your license, obtaining SR22 insurance will likely be a condition of the reinstatement.
You Were Convicted of Driving Without a Valid License
The final common reason why you may be required to carry SR22 insurance is because you were convicted of driving without a valid license. This includes driving without having a license at all or driving on a license that has been suspended. In some states, kids who are caught driving on a permit without an adult present may also be required to obtain SR22 insurance in order to obtain their drivers license.
Most insurance companies offer SR22 insurance. If you are required by law to produce an SR22 insurance certificate, contact auto insurance companies to obtain price quotes for SR22 insurance within your state.