Auto Insurance: What is an SR-22?

By Compuquotes Team on March 27th, 2008
Auto Insurance

We all know that it is required by law to have auto insurance regardless of where you live in the United States. Each state has a minimum insurance requirement that you must have in order to be driving a vehicle on the road. When ever you are pulled over by the police or are in a collision, you have to be able to prove that you have insurance. However, if you are a high risk driver, you may be required to carry an SR-22 as well.

An SR-22 is a form that proves you have auto insurance and is a requirement by state laws for drivers who are a high risk. There are a few reasons why you might need to have an SR-22 form:

� You've been convicted of DUI (driving under the influence/drunk driving).

� You've been convicted of serious moving violations such as reckless driving.

� You have a lot of highway moving infraction points in a short period of time.

� You've been labeled as a habitual traffic offender.

� You've caused an accident and you didn't have any insurance.

These high risk offenders of moving violations and collisions are required to have SR-22 insurance and an SR-22 form with their insurance information. The regulations for SR-22 drivers vary from state to state but most commonly, high-risk drivers have to carry SR-22 insurance for at least three years.

If you are required to carry an SR-22 form, you may find it difficult to find insurance from an insurance company for your vehicle. However, there are more insurance companies who are now willing to sell insurance to high risk drivers who have an SR-22 status.

Of course, SR-22 status drivers can expect to pay considerably more for this insurance and there won't be many discounts or deals for drivers with this high risk status.

The only way to get your SR-22 status removed is to be a safer driver and lessen the number of driving infractions on your record over a period of time. Eventually, an SR-22 driver could lose their license all together. As high risk offenses pile on to your drivers license you are nearing losing your drivers license all together.

When you do find an insurance company that is willing to give you insurance as an SR-22 status driver, it's a good idea to discuss with them ways that you can improve your driving record and work towards getting out of SR-22 status. Chances are, your insurance agent will be able to help you with ways that you can improve your driving habits, such as driving school or other safe driving programs.

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