If you've been convicted of driving under the influence, you are likely to have had your driver's license suspended. Under some circumstances, you may not have your license suspended, but to keep your license, you will need to purchase an SR22 auto insurance policy. If you find yourself in this situation, the following are a few things you need to know.
1. There are general requirements for an SR22 insurance policy in each state
Generally speaking, if your driver's license has been suspended due to a DUI, getting into an accident without insurance, or other serious traffic offense, you will be required to get such a policy. This policy will demonstrate that you have met the financial liability requirements to drive a car. Each state will have its own requirements for this, just as they have for a minimum insurance liability for drivers in general. The liability requirements for an SR22 policy will be higher because of your conviction, and for this reason, the premiums will be higher as well.
2. You won't be required to have this policy forever
Each state will have specific deadlines and requirements to have an SR22 insurance policy. This will typically be three years. Once this period is over, you'll be able to get a regular policy and likely save money. However, it is important to understand that you will have to maintain your policy without lapse for the entire SR22 period. In most states, if you let your policy lapse, then the SR-22 period we'll begin again. So it is important to always pay your premiums.
3. An SR22 policy will only cover your car
Except for those who live under the same roof as you do, a regular auto insurance policy will follow the car. When you drive another person's car, or they drive your car, then the policy of that particular car is in effect. However, if you had your license suspended or are required for another reason to buy an SR22 policy, this policy will only cover you when you drive your car. If you attempt to drive another person's car, you will be driving without insurance. If you need to drive another person's car, there are non-owner SR22 insurance policies available that can be purchased in conjunction with the standard SR22 policy.
If you discover that you need an SR22 policy, these tips should help. To learn more, contact SR22 insurance services.