You may never hear about SR-22 auto insurance unless you are trying to get back on the road after a DUI or driving without insurance coverage. The requirements for SR-22 insurance are different in various states, but the premise is the same. The SR-22 certificate is part of your insurance policy, and it can be required for a number of reasons in order for you to get auto insurance and begin driving on the road. It is a certificate that states you are meeting your insurance obligations as a licensed driver in your state, and certificates can be provided to you electronically from some insurance companies. Talk to your auto insurance provider when you are required to have an SR-22 certificate to drive.
You Can Have an SR-22 and Not Own a Car
If you are licensed driver who rents or borrows a vehicle from time to time but you don't own one, you can still get a qualifying SR-22 certificate to prove you are an insured driver. You can get an operator's certificate that allows you to drive without owning your own vehicle. It generally accompanies a non-owner insurance policy so that you are protected in the event of an accident.
Why Do I Need an SR-22 Certificate?
You may be required to obtain an SR-22 certificate because of reckless driving, operating a vehicle without insurance coverage, driving while your license is suspended, driving under the influence, or even after you have a number of small traffic violations build up. You must keep the SR-22 certificate current, and if it expires, your insurance carrier must let the Department of Motor Vehicles know immediately that your SR-22 is no longer active.
The Cost of an SR-22 Certificate
When you already have car insurance, it is up to your insurance provider what the cost of an SR-22 certificate is going to be. Most providers will build the cost into your overall plan, which is likely to go up in the event of a major traffic violation anyway. You don't have a choice when it comes to getting an SR-22 certificate as your license can be suspended if you are caught driving without one.
An SR-22 is an added layer of oversight when you have been involved in a major traffic violation. The Department of Motor Vehicles wants to know that you are an insured driver, and there are penalties if you are caught driving without a certificate in place.
Contact a company like VIP 360 Insurance for more information about car insurance.