SR-22 Insurance Information
Committing a driving infraction is no laughing matter, and when you get charged with such an offense, you will have to face the consequences. Sometimes, you will face a loss of your driving privileges, and to get them back you might have to file for an SR-22 certificate with your auto insurer.
SR-22 requirements are penalties imposed on many high-risk drivers, and you have to have them on your auto policy if you want to keep your driving privileges. However, they don’t have to be a burden. With the help of the expert team at Bishop White Insurance & Financial Services, you’ll be able to integrate your SR-22 into your auto insurance with the least personal burden possible.
We proudly serve Des Moines, IA and the surrounding area. SR-22 recipients in our area can trust us to always see to their coverage needs.
What is an SR-22?
SR-22s are sometimes misconstrued as being auto insurance policies, proper. They aren’t.
Rather, an SR-22 is a certificate of insurance that is issued by your auto insurer, and that proves that proves for your state’s driving authority that you have active auto liability insurance.
Though state laws differ on what offenses might lead to an SR-22 penalty, you might have to file for a certificate if:
You need insurance, but have been convicted of a DUI or DWI
You have been at-fault in an accident
You have been caught driving without auto insurance
You have been caught driving without a license (or with a suspended license)
You have been cited for reckless driving
You have committed too many traffic violations over a short period of time
The SR-22 acts as instant verification for your state that high-risk drivers always have auto insurance in place. If the policy ever lapses or expires, then the state will know at once because your SR-22 will also lapse. They might then impose other penalties on you because of your failure to carry coverage.
The good news is that SR-22s are not permanent. Usually, they only last for 2 – 3 years, at which time you can let the certificate expire without further penalty. However, you cannot let your auto policy expire at the same time. It’s imperative that you keep active coverage regardless of whether you have an SR-22.
The policy advocates at Bishop White Insurance & Financial Services understand that it might feel like a challenge to get the SR-22 compliant auto policy that is best for you. But, we’re here to help. We offer owner and non-owner SR-22 benefits from top-rated, trusted carrier partners. We’ll make the process of filing for and keeping your certificate an easy one.