SR22 Insurance
Reader’s Question:
What should be expected if I were caught driving without insurance? Will the state require me to carry SR22 insurance for this instance? Thanks!
Millie
Los Angeles, CA
What else? Expect heavy fines for driving without insurance as you would pose as a risk for endangering yourself and common motorists. It is considered as violation of state laws since the state mandates every citizen to carry minimum liability insurance before he/she can drive.
Usually, penalty for driving without insurance vary from state to state. Some impose heavy fines, some not. You could also expect holding and impounding of your vehicle, your vehicle tag seized, and your license suspended. Also, it is definite that the state will require you to carry SR22 insurance since you are unable to show them financial responsibility. Usually, they will require you to carry this insurance for a period of not less than three years. It is also needed in order to retain validity of your license.
Worse come to worst if you were caught driving without insurance and have been involved in an accident. You could face jail time and would also be exposing yourself to both legal and financial constraints–the burden of paying damages and injuries out of your own pocket. To avoid the hassle of going through this, it would be wise to get yourself insured.
What is an SR22 Auto Insurance?
Reader’s Question:
Is there such a thing as sr22 auto insurance? I am really confused about this.
Jacob
West Covina, CA
No. There is no such thing as sr22 auto insurance.
What there is, however, is an sr22, which is a bond, or document or certificate that is required by the state to check if an individual is maintaining auto insurance liability coverage. Since this is government mandated, individuals in need of a sr22 will be duly informed by the state’s Department of Motor Vehicles (DMV). More often than not, drivers caught driving under the influence, driving while intoxicated, and driving with an expired insurance policy are required to get a sr22 coverage.
The sr22 may be mistaken as an actual auto insurance policy because it must be filed by an insurance firm that officially operates within the area. By filing the certificate with the state DMV, the driver, whose driving privileges have been suspended, can officially use a vehicle once again, for a period of three years. Once the three-year “probationary period” has been fulfilled, these rehabilitated drivers will have their licenses officially renewed.
With the number of auto insurance providers offering sr22 filing services, it would be best to check the state DMV website to find out which companies work more efficiently to adequately reinstate driving privileges.
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