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Drivers get SR-22 requirements as a result of serious or repetitive driving infractions. SR-22 requirements are very serious penalties for driving violations. Drivers must obtain an SR-22 if a state requires them to do so.

For this reason, every driver should know what types of situations could lead to SR-22 rules.

What is an SR-22 Insurance Certificate?

Many people mistakenly think that SR-22 certificates are insurance policies. This is incorrect.

SR-22s are certificates that verify for your state’s DMV that you carry auto insurance. The DMV requires an SR-22 if your driving history indicates you are a high-risk driver. While you have an SR-22 requirement, you have to carry valid auto insurance.

Your insurance company can usually issue the SR-22 to your state DMV for a nominal fee. Your agent will also make any adjustments to your auto policy to maintain the coverage. Remember, not all insurance agents deal in SR-22 certificates. Make sure to work with an insurance agency that issues these certificates.

What Situations Warrant SR-22 Certificates?

SR-22 requirements vary from state to state. Some states don’t even have an SR-22 law. Therefore, it can be difficult to know what situations will trigger SR-22 requirements.

Some situations that may warrant an SR-22 requirement include:

  • Multiple accidents where the policyholder is at fault
  • Frequent speeding tickets or reckless driving charges
  • DWI or DUI charges
  • Failure to carry auto insurance
  • An accident while not carrying auto insurance
  • A revoked, suspended, false or invalid driving license
  • Driving actions that endanger a child or other special party

Remember, each state has different SR-22 insurance requirements. The local authorities and state laws will determine if any driving charge leads to an SR-22.

Keep in mind, if you move to a new state, often the SR-22 requirement for your previous state will carry over. You still have to keep the SR-22 in your new state. Make sure you keep SR-22 documentation on your new state's insurance policy.

Do Not Let SR-22 Certificates Lapse

Drivers usually have to carry SR-22 certificates for around two years. If you let your SR-22 lapse, you could face penalties for failure to maintain the certificate. A lapse in coverage will likely cause the SR-22 rule to start over from the beginning.

To avoid losing your SR-22 certificate, keep these tips in mind:

  • Don’t re-offend. It is up to you to re-establish yourself as a low-risk driver. Penalties will likely increase if you get more driving charges while holding an SR-22.
  • Keep your insurance policy up-to-date and active at all times. If you fail to carry insurance at any time during the SR-22 period, your insurance company will likely have to tell the DMV. The DMV may then take action against you.
  • Meet all other penalties required of your driving charges. Pay all fines and tickets.

Most importantly, work with your insurance company. It can help you get the correct coverage for your SR-22 requirement.

Call us today at 877.997.2478 for more information on Macon SR-22 Insurance requirements. We are here to help you get the correct SR-22 certificate for your needs.

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