Six Things You Shouldn't Assume About SR-22 Insurance
Motorists with certain infractions on their driving records may need SR22 insurance. Unfortunately, there are some misconceptions out there about SR22 insurance. It's important to be aware of these misconceptions so that you avoid making incorrect assumptions about SR22 insurance.
The following are six things you shouldn't assume about SR22 insurance.
Drivers need SR22 insurance for the rest of their lives.
You might be required to have an SR22 on file for auto insurance due to certain infractions on your driving record. However, SR22 insurance is always only required temporarily. Eventually, you'll be able to get rid of the SR22 status if you avoid further infractions on your record long enough.
The term SR22 insurance refers to a type of auto insurance.
Although SR22 insurance is an insurance requirement that some drivers need to meet, it is not insurance in and of itself. The term SR22 insurance really only refers to a particular certificate that drivers with certain infractions on their record need to have their auto insurance company file with their state.
It's unaffordable to purchase SR22 insurance.
A lot of motorists think they'll no longer be able to drive if SR22 status is required of them because SR22 insurance is too expensive. However, doing some research proves to many drivers that SR22 insurance is far more affordable than they first assumed.
You have to pay for SR22 insurance separately from your regular auto insurance premium.
Although you may have to pay a fee when you initially file your SR22 form, this should be the only additional payment that SR22 status requires you to make.
You only have to pay your monthly auto insurance premium after filing paperwork and don't need to submit a separate payment for SR22 insurance every month.
You'll always be eligible for your driving privilege if you purchase SR22 insurance.
Unfortunately, purchasing SR22 insurance doesn't make it possible for you to avoid license suspensions. If you are subjected to a license suspension as part of the penalty for your driving infraction, you must wait until this suspension is over before being able to legally drive again with SR22 insurance.
You can only get very basic coverage if you need SR22 insurance.
Motorists shouldn't worry that their coverage options will be severely limited and basic if they must be insured under SR22 status. You should be able to enjoy the same coverage options through SR22 insurance that you can enjoy without this status even though your premiums might be slightly higher.
Speak to an agent to learn more about SR22 insurance.
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