Why You Need SR-22 Coverage If You Do Not Have A Car Or License
Posted on: 29 April 2019
SR-22 insurance is often referred to as high-risk insurance; however, there are many high-risk drivers who do not need this type of coverage. This form of coverage is only needed in certain situations, and it is often the result of getting charged with a DUI or some other type of major driving offense. If you receive news that you must get this type of coverage, you should understand that you will need to buy a policy even if you currently do not have a car or a license, and here are a few things to understand about this.
It is required for a length of time
One thing that is unique about SR-22 coverage is that it is something that you must obtain and keep for a specific length of time, and this is something you will learn when you find out that you need it. It may be required for as short as one year, or it might be required for three years, and this will depend on the reason for needing it as well as other factors. No matter how long you need the coverage, you must keep it for that length of time without a lapse in coverage. It must be continuous coverage for the stated length of time for your requirement. If you need it for three years, you must have the coverage for three years consecutively without even an hour's lapse in between.
It may be required to get your license back
Secondly, if you do not have a driver's license right now, one of the things that might be stopping you from getting it back is this coverage. In other words, if your license was revoked, you might be able to get it reinstated by purchasing an SR-22 policy. It is important to know, too, that you might not be able to get your license back until you have had SR-22 coverage for a certain length of time.
You do not need a license or a car to get an SR-22 policy
If you do not have a car, it might not make sense to get the coverage, but you still should. There are policies known as non-owner policies that allow you to get coverage without owning a vehicle, and this would be the type you should get if you do not have a car.
SR-22 insurance coverage is not something that every single insurance agency offers, but it is available through a lot of companies. If you need it and want to find the best policy around, contact a couple of insurance companies to ask for free auto insurance quotes for coverage.
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