Automobile insurance can be confusing. You need to figure out what types and how much coverage you need. Of course, you can always simply go with the minimums required by the state and the company that holds the loan for the vehicle. However, you may find that you need to purchase SR22 insurance as well. While not technically insurance, it is a document that states you do have the required liability coverage. Not everyone needs to worry about this, and the DMV will let you know if you need it. Here is a bit of information to help you know when you need this insurance.
Traffic Violations
If you have been involved in multiple simple traffic violations or just a few serious infractions, you will probably need to purchase SR22 insurance. Having a single DUI conviction almost always means you need this. It is also usually required if you are trying to restore a suspended or revoked license.
Lapse in Insurance
Almost every state requires you to purchase automobile insurance if you register it. You must maintain constant coverage to comply with the law. If there is a lapse in your coverage of even one day, the insurance company may send a notice to the DMV. This will result in the immediate revocation of the vehicle's registration. To reinstate the registration, you will need to pay a fine and may also be required to carry SR22 on your insurance policy.
Non-Owner Coverage
If you would normally need to have SR22 on your insurance policy, but do not own a vehicle, you may be required to purchase a non-owner policy that has SR22 on it. This coverage is for you if you should be driving a friend's vehicle or renting a car. Just like a regular insurance policy with SR22, you will need to maintain this coverage at all times. Generally, this is required of anyone who has had their license suspended.
The DMV will let you know how long you have to maintain this coverage. If there is ever a lapse of even one day in it, the time will start over again. Luckily, this type of insurance is not expensive whether you are adding it to your existing auto insurance policy or purchasing a non-owner policy.
Get in touch with an insurance company to learn more about SR22 insurance. A representative can help you along the way and inform you about when you need this coverage.
