Necessity Of An Sr22 Insurance
An auto insurance is a solid assurance of protection for both the owner and his vehicle in the event of accidents
. According to the strictly implemented rules and regulations, it is mandatory for every driver to carry minimum liability coverage. But an SR22 insurance is far different from this mandatory requirement. Truly speaking, it is a sort of punishment for the drivers who have been included in the 'high risk driver' bracket and the high volume of premium is a reflector of this statement.SR22 insurance filing is a must-do requirement mandated by the Department of Motor Vehicles. Suspension of driving license is the commonest form of punishment for the 'high risk' drivers. SR22 filing is a necessity if they want to get the suspension lifted.
The inquisitive readers may want to know the reasons behind the suspension of one's driving privileges that can only be restored with help of an SR22 insurance. Well there may be a constellation of reasons, any of which can be responsible for the accumulation of negative points and revocation of driving license. Violations of traffic rules such as reckless driving or defying the traffic signals earns a driver tickets. Apart from these, driving without a valid license or being convicted of a DWI charge, denying to undergo alcohol or drug test, unpaid traffic tickets etc. can result into the annulment of driving license. These afore-stated factors are called moving violation. The non-moving violation such as negligent attitude of a driver to pay child support may also lead to license suspension. But whatever be the reason, the only way to get the suspended license reinstated is to go for an SR22 insurance.
As the majority of the drivers are not well aware of how to file an SR22 form, so it is better for them to involve an insurance agent in this matter. The necessary filing certificate must be sent to the Department of Motor Vehicles. This certificate is a written document that informs the authority that the individual has been provided the minimum liability coverage. It is the responsibility of the insurance company to let the authority know in the event of cancellation, lapses, termination of the policy. If an individual wants to get limited driving privileges to operate a new vehicle for his business or service purpose before the termination of the revocation or suspension period, he must seek permission from the concerned authority. In that case, the person has to attach a copy of his SR22 insurance certificate with the application. Remember that this facility is not granted in case of serious violation charges. Maintenance of the SR22 insurance file for two years from the revocation or suspension of the license is a necessity for the individuals. Finding a cheap auto insurance is a great concern for the car owners. The SR22 insurance cost is much higher as compared to the other vehicles insurances. Still, finding a cheap policy is not an impossible task, though must be a daunting one. The agent, having knowledge about different rates of various policies, can certainly help an individual in finding the best one that suits his needs and fits his financial strength.
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