Who Needs SR-22 Insurance?
The most common reason someone needs SR-22 insurance is when the police have pulled them over. They are issued a ticket for driving without insurance, and the judge will ask them to show proof that they have auto insurance. Non-owners of vehicles are also required to have the policy. In many states, driving without auto insurance results from a suspended license or DUI. Additionally, being found at fault in a collision will result in an SR-22 requirement.
In some states, the SR-22 form is required if the individual is convicted of a serious driving offense, such as drunk driving. It is important to note that the requirement is not permanent. It usually lasts anywhere from one to five years, and any gaps in coverage will restart the condition and potentially result in license revocation. Therefore, it is essential to have SR-22 insurance. Otherwise, you will be responsible for paying higher insurance premiums and be stuck with the higher rate for the entire time.
SR-22 insurance is also necessary for people with DUI convictions, making it illegal to drive without insurance. Having this document can affect their insurance premium. If you have a DUI conviction, you should shop around for an affordable SR-22 insurance policy. High-risk insurers will charge more than standard insurance companies. Make sure to shop around for the best rate possible. It is crucial to compare rates each year to get the best deal.
DUI convictions are the most common reason for drivers to need SR-22 insurance. Driving with a BAC of 0.08 will also result in an SR-22 insurance requirement. While this is not the only reason for requiring SR-22 insurance, it is the most common.
SR-22 insurance is required by law for specific drivers. High-risk drivers must have it for various reasons, including driving under the influence (DUI) and having an accident where the driver is at fault. If their license has been suspended or revoked, people with DUI convictions typically need an SR-22 insurance policy. If you cannot get an SR-22 insurance policy, you will be required to get one before your license is reinstated.
Drivers with traffic violations or suspended licenses may be required to obtain a hardship license. While this license allows them to drive to work, they must get SR-22 car insurance.