Driving is incredibly important for getting to work, to the store, to your family, and everywhere else. However, to legally drive, everyone needs auto insurance. In fact, if you get caught driving without auto insurance, you may face special punishments like being required to submit SR-22 insurance forms to comply with courts and the DMV. If you would like to know more, keep reading.
What Is SR-22 Insurance?
Despite the name, SR-22 insurance isn't actually insurance. SR-22 is a form that your insurance carrier submits to the DMV. This form proves that you have adequate insurance and are in compliance with the law. If you stop paying your car insurance, the insurance provider will alert the DMV. There are some insurance providers who will not assist with the SR-22 filings, so you will need to do it yourself.
Who Needs SR-22 Insurance?
You may be required to submit SR-22 forms for many reasons, but one of the leading is driving without insurance. Another major reason to require an SR-22 is driving under the influence of alcohol or drugs. Other reasons you may be required to submit an SR-22 form include having multiple traffic offenses, operating a vehicle with a suspended license, driving without a license, etc.
However, there are some instances in which you need SR-22 insurance regardless of your driving record. For example, if you owe back payments of court-ordered child support, you may be required to get SR-22 insurance.
If you have had your license suspended but need to drive for hardship (to get to work or school), you may be allowed to drive only to those necessary locations. However, you may also be required to submit an SR-22 form to prove you are keeping up with your insurance.
Can You Remove SR-22 From Your Insurance?
Since SR-22 insurance is usually court-ordered, you can't just drop it when you want. Typically, once you've successfully maintained car insurance for a period of time, the DMV will no longer require the SR-22 form. You may need to fulfill other requirements, such as paying fees.
Auto insurance helps protect you if you get into a car accident. It helps pay for medical bills and damages, but in some cases, you are required to submit an SR-22 form. If you have been told you need SR-22 insurance, it's best to find a provider who will assist you and submit the form on your behalf. If you would like to know more, contact an SR-22 insurance provider in your area today.