When the state requires that you purchase SR-22 insurance, they will send you a letter. You might also receive notification from the court. In any case, you might wonder why you need this insurance type. You might need it for one of many common reasons, but if you need it, you must get it. Not purchasing it by the deadline can result in further consequences. Here are several things to know about why you might need SR-22 insurance after you find out you need it.
You Want to Keep Your Driver's License
When you need SR-22 insurance, you have to buy it if you want to keep your license. As you will see if you keep reading, you cannot keep driving without SR-22 insurance if you need it. In most cases, people need it because they are high-risk drivers. When a high-risk driver wants to continue driving, they must follow the law by purchasing SR-22 insurance if the state requires it. Courts can mandate it, but the Bureau of Motor Vehicles can also mandate it.
You Have Too Many Points on Your Driver's License
Many states have a point system for driver's licenses. This system gives a person a driver's license with zero points. Anytime the driver encounters traffic violations, they add points to the person's driver's license. Nothing happens initially if you get a point or two, but you can risk losing your driving privileges if you get too many. Your state might allow you to purchase SR-22 insurance to keep driving if you have too many points, and you must buy a plan if this occurs.
You Got a DUI or Something Similar
If you encounter a DUI or something similar, you will probably have to purchase SR-22 insurance. A DUI is one of the most serious driving offenses you can get, and it puts you into the high-risk driver category.
You Were Caught Driving Without Auto Insurance
SR-22 insurance is proof of auto insurance coverage, and most states have a law requiring auto insurance for all drivers. If the police catch you driving without it, you might need to buy an SR-22 plan afterward. Your SR-22 insurance plan guarantees that you have at least the minimum amount of coverage required in your state.
These are the top reasons you might need SR-22 insurance. After reading these, you might understand the reason your state is requiring it for you. If you need SR-22 insurance, contact an auto insurance provider that offers it.
Share9 November 2021
