SR-22 is basically proof of insurance for your state’s motor vehicle department. It puts you in a high-risk insurance category by most insurance companies. A local insurance agency that specializes in high-risk insurance can prepare the form that you need to prove to the state agency that you have insurance.
Not every motorist is required to obtain an SR-22 form. Typically there are three situations that may require that you have this type of insurance proof on file.
When Do You Need SR-22 Insurance?
There are certain situations that will warrant having SR-22 insurance. These are the likely scenarios that will require this additional proof:
- You have been arrested for a DWI or a DUI
- You have been in an accident and did not have insurance coverage in force
- A judge or the Department of Motor Vehicles has ordered it for another reason. For example, if you have been involved in a reckless endangerment incident with your automobile or there are some other extenuating circumstances, this might be the case for you.
A lot of people think that once they are convicted of a DUI or DWI, they can kiss the possibility of getting auto insurance goodbye. But the fact is you will still be able to get coverage.
There is Help Available
A local high-risk insurance agency can help you to get the coverage that you need in all types of situations. Finding the right solution is easy when you have a team of insurance professionals on your side. The right local insurance agency has options, many with multiple insurance companies, waiting for you that will help keep you in compliance and get you back on the road.