What exactly is SR22 insurance? SR22 insurance is a certificate of Financial Responsibility. It's usually a requirement that follows a DUI arrest which requires you to show that you indeed have enough insurance to cover the legal costs.
For you to get the SR22 insurance, it's important to understand what it is and how you can benefit from it. Let's start by explaining what this certificate does. The SR22 is issued to a motorist after a conviction for driving under the influence of alcohol. As soon as your conviction is entered into the system, the DMV will instruct your insurance provider to replace your driver's license (or non-driver's license if you're a non-dominant hand driver) with a temporary license that has the same designation as your current license. You will still need your DUI conviction on your record, however.
If you've been convicted of driving under the influence, you will need coverage on your vehicle in the form of auto insurance. There are two types of auto insurance coverage you can get from your provider: bodily injury liability. Bodily injury liability covers medical bills resulting from a vehicular accident, whether the accident was your fault or not. Liability coverage, however, doesn't pay damages to property or medical costs, only to other drivers involved in the accident.
A major traffic violation results in an immediate suspension of your driver's license. This suspension lasts until you can complete a drivers' "reeducation" program. During the program, you will be required to undergo one of two different rehabilitation programs. Your first program would require the completion of an sr22 non-owner policy. The second program would result in a cancellation of your current auto insurance policy. When either of these two programs is completed, your driver's license will be reinstated and your car insurance policy would then be immediately canceled by your insurer non-owner policy provider.
If you have a suspended license, there is a good chance that you will not have transportation until your drivers' license is restored. The penalties, fines, and additional points that are assessed for driving under the influence of alcohol can range from anywhere between a few hundred dollars to several thousand dollars. In many states, a suspended license is accompanied by a mandatory drivers' training class, which can also include alcohol education, classroom instruction, or driving school. For those drivers that do not complete the required educational or training programs, they face the possibility of having their drivers' license permanently suspended, in some states.
If you've been charged with driving under the influence of alcohol, you must contact your insurance company as soon as possible. Each state has its own set of penalties and laws, so it is best to shop around for a policy that is within your particular state's guidelines. In the meantime, it is important to avoid consuming any alcoholic beverages while you are in the car. If you are charged with driving under the influence of alcohol, you should not delay contacting a reliable SR22 insurance policyholder. You can read the following article to get more informed about the topic: https://en.wikipedia.org/wiki/SR-22_(insurance)
