SR-22 auto insurance is a state-mandated high-risk driver policy that serves as proof of car insurance. Having an SR-22 status often follows a license suspension, DWI conviction or another traffic violation that endangers the public. You will only be required to file this form if the state informs you of that necessity. This new status guarantees that you maintain the required coverage.
Because SR-22 status is given to offenders, it often hikes up insurance premiums to cover the added risk. But don’t think you can get away without it just because you don’t want to pay. Generally, you will not be allowed to drive until you submit your SR-22 form to your insurance company, which then files it with the state DMV. SR-22 drivers are often entered into high-risk driver databases so the police force can keep watch and ensure that these drivers are obeying the laws.
So what types of penalties can result in SR-22 status?
- DUI or DWI conviction
- Driving with a suspended license or no license at all
- Convicted of driving without insurance
- Excessive points recorded on your driver’s license
- An order to appear in court following a traffic violation
- A lapse in car insurance exceeding 30 days
Your state will tell you how long you must keep your SR-22 status (usually up to three years) and you must maintain insurance coverage for that entire timeframe, regardless of high prices. Once you’ve safely fulfilled your time, your SR-22 status will be removed and you may be able to qualify for lower insurance rates once again.
Your independent agent can walk you through the process if you need to file SR-22 paperwork. These trained professionals can help you secure the necessary coverage you need to fulfill state requirements, all while offering a local, personal touch.Get back on the road as soon as possible. Call AccuRate Insurance Agency at 888-607-6499 for more information on St. Louis SR22 insurance.