Posted on: 27 March 2017
Receiving a letter in the mail from the Department of Motor Vehicles (DMV) stating that you need SR-22 coverage might be confusing for you. After all, what is SR-22 coverage and why do you need it? There are numerous reasons the DMV might require this of you, but here are the top three reasons this coverage is needed. You might need it for one of these reasons or for multiple reasons.
Too Many Driving Offenses
Most states operate on a points system when it comes to driver's licenses and driving privileges. Each time you incur a driving violation, you may end up with points on your license. Depending on your state and how the point system works, you may eventually rack up too many points, and this will lead to consequences. This can occur from speeding tickets, accidents, and other types of driving violations. If you receive too many of these, there are several consequences that might occur, and one is the need to purchase SR-22 insurance.
You Were Charged With a Serious Driving Offense
Certain types of driving offenses are not as serious as others, such as a basic speeding ticket; however, there are others that are very serious. Driving under the influence (DUI) is an example of a very serious offense. Not only can this result in needing to purchase SR-22 insurance, but this is a crime that can also land you in jail. Driving while intoxicated or under the influence of drugs is a criminal offense, and that is why it has so many consequences.
You Were Caught Driving Without Insurance
The other reason you might need SR-22 insurance coverage is if you were caught driving without any insurance coverage at all. Having auto insurance is not something that is optional. All states require all drivers to carry auto insurance coverage, and not carrying it can result in consequences.
If you have experienced any of these things in the recent past, you will probably need to purchase an SR-22 insurance policy. Failing to follow through with this can result in further consequences, which is why you should immediately find a policy if you are instructed you need one. You can get an SR-22 insurance policy by contacting an insurance company that sells auto insurance. Most auto insurance companies sell this type of coverage; however, you may want to compare prices to find a company with the best rates. To learn more, contact a company like Angel Auto Insurance.Share