3 Important Questions To Ask About SR-22 Insurance Coverage

If you have been charged with a serious offense while driving, such as driving under the influence or reckless driving, then you may be required by your state's motor vehicle department to purchase what is commonly known as SR-22 insurance. This label can be confusing since SR-22 "insurance" is merely a document stating that you have the minimum required liability insurance coverage. Moreover, there are a number of important questions you should ask as you prepare to purchase an SR-22 insurance form. Take a look at some of the most crucial ones below.

Which companies offer it?

One of the biggest mistakes that drivers make when they learn that they must purchase an SR-22 insurance form is assuming that their auto insurance company will take care of everything first. In fact, not all auto insurance companies offer SR-22 insurance coverage in the first place; in worst-case scenarios, your coverage may be canceled entirely. That's why the first thing you should do is contact your auto insurance company to make sure that they offer SR-22 coverage. If they don't, shop around and find the best rate possible from insurers that specialize in high-risk drivers.

How does an SR-22 requirement affect my policy?

The relationship between an SR-22 and a policy itself is complicated. The former certainly impacts the latter in many ways. For example, if your insurance policy lapses while you are still required by your state to have an SR-22, then you are in violation of the law and your license will likely be suspended automatically. Also, because SR-22 requirements last for several years, it is important to be aware of when your policy ends. That said, when your SR-22 requirement does end, it is equally vital to contact your insurance company to have it disassociated with your coverage. Failing to do so can mean missing out on some serious savings.

What if I don't own a car?

Even if you don't own a car, filing for an SR-22 is a good idea. Drivers' licenses are, for many people, their primary form of identification, and you'll need to file an SR-22 in order to get yours reinstated. Plus, even if you borrow a car and get into an accident, the resulting damages will be covered by your non-owner policy. Allowing your coverage to lapse and not filing for SR-22 auto insurance coverage can be the cause for serious regret. 

To learn more about getting SR-22 insurance, contact a company such as Bill Blake Auto Insurance.