SR-22 is a special type of insurance that you need to carry when you have had a suspended license. An SR-22 insurance policy is necessary for you to get your driving privileges back. When it comes to purchasing an SR-22 insurance policy, there are a few things you need to know.
It Can Take Time to Get Your SR-22 Insurance Certificate
Getting an SR-22 insurance certificate is not like getting other types of insurance. You can't just go online, get some quotes, and have a new insurance policy at the end of the day. Getting an SR-22 insurance certificate is a process that takes time. It can actually take about a month to get your certificate. Once you are given permission by the courts to get your SR-22 certificate, you are going to want to start the process right away. A delay of a day or two is a lot bigger than you think it is, as it pushes back the thirty days that it will take you to get the certificate and start driving again.
You Have to Keep Up Your Coverage
Next, you need to make sure that you keep up your SR-22 insurance certification for the entire time period that you are required to keep the insurance. If you fail to keep up your insurance, and you let it lapse, you could face some serious consequences. You could actually lose your driving privileges when your SR-22 insurance lapses, as you are already basically on probation with your driving privileges. Just like it takes time to get your initial certification of SR-22 insurance, the renewal process is not automatic either. You should start the renewal process at least two weeks in advance of your expiration date; that way, you can ensure that you have the coverage you need to keep your policy active.
You Need to Carry Your Insurance with You
Finally, you need to make sure that you always carry your SR-22 certificate with you. You always need to carry your SR-22 certificate with you. If you get pulled over, you need to be able to provide the law enforcement agency with a copy of your SR-22. Failing to provide a copy of the SR-22 certificate, even if you have the insurance, could result in you losing your driving privileges.
When it comes to SR-22 insurance, you need to understand getting your SR-22 certification is different than getting regular insurance. It can take you up to a month to get your insurance certificate, and you need to make sure that you always carry your certificate with you. Don't let your coverage lapse; that could cost you your driving privileges.
Talk to an insurance agent today to start the SR-22 filing process.