3 Key Things To Know About SR-22 Certificate
SR-22 certificates, policies, or statements are often mistakenly understood as types of car insurance. In fact, they simply exist as a means of proving that you have the insurance you're required to have by law. Not all drivers need SR-22, but if a court or other legal entity has ordered you to get one, then you'll need to do so as soon as possible. Keep reading for three key things you should know before contacting your insurance company and requesting they provide you with SR-22 insurance
You May Have to Purchase a New Policy
The fact that your insurance provider does not issue the certificate will not hold up in court as a justifiable reason for failing to have the certificate in your possession. As a result, if your current auto insurance company does not give out SR-22s, then you should take the necessary steps to find a new policy right away. The same holds true even if you do not own a car. If this is the case for you, simply request a quote from an insurance provider that is willing to insure non-owner drivers. If you plan to drive a vehicle that is owned by someone else in your household, then make sure you are on their policy as well.
Things Get Complicated If You Leave the State
The requirements surrounding SR-22s often vary depending on the state you live or drive in. It is worthwhile to check with your insurance provider to see if you need a separate SR-22 when traveling across state lines. You don't want to deal with the legal and financial hassle that getting pulled over in a different state may cause if you don't have a relevant SR-22 form on file. Similarly, the first thing you should if you move to a new state is check with the local Department of Motor Vehicles (or equivalent) to see if you need to request a separate SR-22 or if you can keep the one you already have.
The Filing Time May Change
A different state may also require you to file for a longer amount of time. More importantly, you should be aware that having another driving infraction added to your record can mean that you need to file an SR-22 extension, or, alternatively, that an extension will be automatically filed for you.
For more information on SR-22 insurance, contact a professional or a company near you.
