Few things are more important than having the right insurance coverage. About ten years ago, I was involved in a near-fatal crash where I experienced traumatic physical and emotional injuries. It was really challenging for me to endure the hospital stay and subsequent physical rehabilitation, but with the help of my medical team and my insurance company, I was able to overcome the challenge and completely recover. This blog is all about the importance of choosing the right insurance plan so that you can get on with your life and enjoy those precious years with your family and your friends.
If you have engaged in risky driving behaviors like driving under the influence or without insurance, you may be required to obtain and maintain an SR-22 form as part of your insurance policy to keep your license. Although this can be an embarrassing and potentially expensive hassle, it doesn't need to keep you off the road or ruin your finances. By knowing what is required of you, shopping smart, and maintaining your insurance throughout your SR-22 period, you should emerge with few if any lasting consequences to mark this probationary period.
Recovering From the Initial Incident
If you are required to carry an SR-22 certificate as the result of an uninsured at-fault crash or drunk driving incident, the ramifications of the actual event are more likely to impact your insurance rates than the SR-22 itself. You will need to take every step possible to show contrition and that you are willing to learn after your setback in order to salvage your insurance rates, though some penalties will only go away over time. Simply failing to repeat the mistake is your best course of action for the future.
Understanding Your Legal Obligations
Despite its common name, SR-22 insurance is not a special policy but a voucher from your insurer to the state that you are, in fact, adequately insured. You will be required to carry an SR-22 certificate with you whenever you drive for a set period of time, and any lapses in coverage can quickly lead to your license being revoked. If you are not sure about specific aspects of your legal obligation, your insurer should be able to provide you with the details you need. Typically, however, obtaining an SR-22 certificate is as simple as finding an insurer willing to issue you one and then making your payments on time.
Finding Affordable SR-22 Insurance
Although needing an SR-22 form can mark you as a high-risk policy, many insurers understand that people make mistakes and are willing to work with you to get you the coverage you need. If your offense did not involve an at-fault accident or driving under the influence, you may be able to find relatively cheap SR-22 insurance that is comparable to your previous rates. Do your research and reach out to insurers personally to get a better understanding of the options available to you in your area.
Remaining in Compliance
Once you are fully insured and have your SR-22 certificate in hand, it is your responsibility to remain in compliance for the duration of your probationary period. This usually takes a few years, but once your time is done, you should no longer have any related restrictions on your license and driving habits. From there, you will be expected to remain insured and sober while driving, just like any other citizen, but you will be able to move on with your life and continue improving on your record without the shadow of losing your license hanging over you.
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Share17 May 2016
