Reasons to Get SR22 Car Insurance

13 Oct

What is SR22 insurance DUI? SR22 insurance, also known as statement of claim, is an official certification of financial responsibility designed for persons accused of driving while intoxicated. It's often a necessity that follows an DUI arrest which requires you to prove you own insurance prior to getting your driver's license reinstated. SR 22 insurance  can be used to reinstate a suspended driver's license immediately following a DUI conviction. An SR22 can even be used to eliminate any financial penalty imposed on you by the court in cases of repeat DUI offenses.

The financial responsibility required by an SR22 auto insurance policy covers liability and injury claims, property damage and medical payments resulting from major traffic violations. In many states, the policy also covers the costs of legal representation and bail. If you've been convicted of driving under the influence of alcohol or drugs, you might not have insurance, and if you do, some companies might not cover it because of its connection to a major traffic violation. SR 22 insurance Nevada covers these situations, so that people charged with DUI-related crimes don't have to worry about losing their driver's license or going to jail because they don't have the money to pay for comprehensive coverage.

When you're pulled over and given a notice of charges, one of the first things the officer will likely do is take down your driver's license number. This number is then sent to the state's motor vehicle department, who runs a check of its records to make sure the license isn't revoked. Most states require insurance companies to verify that the policyholder is who they say they are. If the DMV finds out that the policyholder hasn't been declared legally competent, the company can refuse to issue the policy, along with any other insurance discounts available to the policyholder.

In short, this requirement could be considered an unnecessary restriction on auto insurance. However, many people receive traffic tickets for driving while intoxicated, which is another reason for the requirement to get a sr-22 form in front of them during the sign-in process. If you can't write the requisite information on the form, your insurance coverage won't be affected, but you might wind up paying more than you need to. For example, if you fail to include the name and address of the at-fault driver, the city and county that he or she lives in, or the make, model and year of your automobile, you may wind up paying more than you should. 

The driver's name should be sufficient, but if you're pulled over for something more, like a violation of the no-fault law, your insurance rate may go up. Also, it's important to note that the no-fault law only covers a vehicle's owner, not other authorized drivers, such as a spouse or child.
The suspension of licenses in many states, such as Georgia, is another reason to get this type of insurance. Some people who are accused of driving under the influence (DUI) may have their driver's licenses suspended. If they don't have it, they won't have access to their own cars. That means they have to rely on other people's cars, which can increase the risk of having an accident. Fortunately, if you get a sr22 car insurance policy before you're suspended, you won't have to worry about losing access to your own vehicle.

Another reason to consider this type of policy is to guard against wrongful termination or discharge from your job. If you're let go from a job, you may lose access to your vehicle as well. That means you could be stuck stranded in a rural area with no way to get to work. If you're not careful, you could be hit by a company delivery truck or a delivery person carrying your materials for work. So, whether you're filing a claim or preparing for one, this is yet another reason to invest in SR22 car insurance. An alternative post for more info on the topic here:

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