subject: What Is Sr22 Auto Insurance And Do I Need It? [print this page] The insurance policy known as SR22 is actually the name of the form that this policy represents. If you've been in an accident with any kind of property damage or damage caused to the other people involved, then you might be hearing from the Division of Motor Vehicles. This is especially the case if you had cheap insurance that had holes in the liability coverage. You will be notified that you need a special kind of insurance called SR22 in order to get your license back, or just be allowed to drive again. You'll need to keep the payments current in order to keep your license from being taken away again.
This is a policy that takes into consideration other situations that you may want to protect yourself from as well. Things such as out-of-pocket financial loss faced if you've been found liable for any vehicular damages to someone's car or their person while driving an uninsured car. You don't even have to own the car for this to happen. If you were the one driving the vehicle at the time, you'll be the one to get the ticket and have to face the charges.
Once you have SR22 coverage you can prove that you have up-to-date affordable low cost auto insurance. This way you'll not be liable for any damages that may occur from operating a vehicle, whether it's yours or some other person's.
Whether you were involved in a traffic accident, caught without insurance, gotten a DUI, DWI, or been cited for reckless driving, you will more than likely be ordered to get SR22 coverage. If any of this information comes to the attention of a police officer, or a traffic court judge, you will have to comply. Not only is it going to satisfy your state's mandatory amount of coverage for auto liability insurance required by law, it isn't going to leave holes in your coverage like some cheap insurance policies will.
There are other reasons to purchase this coverage. A lot of people who don't own a car, but, who will be operating vehicles as a part of their job purchase this kind of coverage. This low cost insurance option will do well to protect someone whose job depends on being able to drive. Chauffeurs, cab drivers, people who operate heavy machinery on construction sites, all of these people depend on being covered with the best low cost insurance available and SR22 coverage is there to help.
While no one wants to think of what can happen if you only have cheap insurance that barely covers you in such situations, you can be assured that your insurance provider will try to make the process as easy as possible. They can file the necessary forms and paperwork for you to your state's Department of Motor Vehicles to verify that you've purchased SR22 coverage, and therefore are acting in compliance with the law.
by: Nick Messe
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