SR22 Insurance Requirements

If you respect road safety, then you will accept the fact that the circumstances are not always in your control. Despite taking the most thorough precautions, accidents may happen. We may not be able to control our futures but by taking the suitable automobile insurance, we can take the responsibility of our actions. State laws and regulations regarding automobile insurance may differ, but as being a responsible citizen of the United States, you should be aware of something called the SR22 Form.

There are many types of automobile insurance, but the SR22 does not specify a specific kind of insurance policy. The SR22 insurance is rather a certificate that you carry that concerns chiefly three parties: you, your insurance company and the government. The purpose of such documentation is that it tells the government that you are properly insured and are able to pay for any damages that you may be liable for. One may ask, “What is the need of such a certificate?” Needless to say, there are countless individuals who do not have their vehicles insured and as a result when they are involved in a road accident, they are not able to pay for the damages.

The requirements for the SR22 certificate are different from state to state. Basically, most states will require the use of an SR22 form when you attempt to reinstate your driving license subsequent to a suspension or revocation of the license. The most common violations include a DUI or driving without insurance. In most states, individuals who are required to utilize the SR-22 certificate must maintain it for at least 3 years.

In an effort to avoid such catastrophic situations, drivers who have a history of violating insurance laws are required to apply for the SR22 insurance so that the government is aware that the driver now has minimum insurance coverage. The minimum coverage required differs from state to state. For example, in the state of California, the limit of liability is 15/30/5 and the SR22 certificate is witness to the fact that you are carrying those limits. It is required when you had your driving license revoked or suspended in other states.

Contrary to usual insurance policies, SR22 needs a bit more of your time and attention. As mentioned, the Department of Motor Vehicles is involved, so you are advised not to act at the last minute. It must be renewed at least fifteen days prior to the expiration of your insurance policy otherwise your license may be cancelled or suspended. For more convenience, you can also choose to buy a bond of worth $55000, to certify to the government that you can be personally liable for any losses.

Today, you can easily check for SR22 insurance-related quotes online and see which policy suits you the best.

Of course, the best advice that anyone could give you is, “Drive safely; always carry motor vehicle insurance; and don’t drink and drive!”

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