SR-22 insurance proves your financial responsibility for your automobile following a certain circumstance, including license suspension or a serious moving violation. By having this insurance for a temporary amount of time, you are demonstrating that you have moved on from your indiscretion and are now ready to take responsibility for your car and associated driving privileges. If you are pulled over during the period in which you must have SR-22 insurance and cannot show proof of it, you may face some very serious consequences that could have a profound effect on your daily life.
As far as time is concerned, you can expect to have a long relationship with your SR-22 insurance. In most states, you must be able to present this documentation for about three years. Once you have completed the specified amount of time, you will no longer need an SR-22, but you will still need valid auto insurance.
Circumstances that can lead to the necessity of an SR-22:
- Driving without insurance
- Being involved in an at-fault accident without insurance
- A large amount of driving citations or too many citations in a short period of time
- DUI/DWI charge
- Revoked driver’s license
- Any other serious moving violation
Another important thing to remember about SR-22 insurance is that it changes from state to state. That means, if you have moved to a different location, you will want to investigate that state’s requirements regarding this specific insurance.
If you are found without SR-22 insurance following one of the above instances, you may face serious penalties including fines or potential jail time. In addition, you could be putting yourself, your passengers and fellow drivers on the road at risk if you are driving without liability insurance. Insurance exists to protect you from damages to your property (car) and to your body. It can help pay for large hospital bills and other costs associated with recovery.
The process of filing for this type of insurance can often be confusing and time-consuming. For this reason, it is helpful to have the assistance of an experience auto agent to help you navigate the process. The experts at Insure on the Spot can help you receive an affordable rate, along with regular car insurance, to help you be a safe, responsible, and most importantly, legal driver on the road.
For more information about affordable car insurance rates in your area or to receive a free SR-22 quote, visit the web site of Indianapolis car insurance agents of Insure on the Spot today.