SR22 INSURANCE - EASY

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First it should be established that while an SR-22 is commonly referred to as SR-22 insurance, the SR22 is actually not an auto insurance policy in itself.

Rather, an SR-22 is a rider or endorsement of an existing or newly-established car insurance policy

SR22 insurance, can be understood as high-risk car insurance. It provides coverage to those who have had their driver’s license revoked for one reason or another, or for some other reason the state has mandated it.

The SR22 rider is a certificate that insurance companies attach to your auto policy to show the state that you’ve purchased insurance acknowledging your high-risk driving habits.

This usually indicates that you are financially responsible for your vehicle and driving.

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In most cases, anyone who’s had their driver’s license revoked or suspended will usually be ordered to carry an SR22 rider. There can be exceptions to this.

How does your driver’s license get revoked? Here are a few common offenses that lead to this punishment:

Caught driving without proof of insurance
Getting involved in a car accident as the at-fault party
Any DUI or DWI charges you’ve faced
Racking up moving violation points in a short period
Failure to pay child support
Your insurance doesn’t meet state requirements
Once you’ve been flagged by the law, you are usually court ordered or mandated by the state to carry SR22 insurance.

While it varies from state to state, you will usually have to carry it for a minimum of 3 years.

If your coverage lapses or you commit another offense, it might stretch for longer.