Talking About Insurance Coverage

Covering Yourself With SR22 Insurance

14 December 2021 by Jar Ross

For drivers that pose a high risk, it may be necessary for them to carry SR22 insurance coverage. In particular, this type of coverage is often compelled by the courts as a result of a variety of severe auto infractions. If you have found yourself compelled to carry this particular type of coverage, it is important to be informed about what you can expect.

Will An SR22 Insurance Policy Provide More Limited Coverage?

Due to the higher risk of drivers that have been compelled to carry SR22 coverage, these policies will typically offer more extensive coverage. This can provide more protection for victims in the event that the driver is involved in a serious accident. The more extensive coverage coupled with the higher risk profile can lead to these policies being more costly than standard auto insurance coverage, but the more extensive protection can prove to be valuable in the event of an accident occurring.

Will The Entire Cost Of The SR22 Insurance Policy Need To Be Paid At Once?

In addition to providing more extensive coverage, SR22 policies will often provide the court with notice that the driver is carrying the necessary coverage. If the driver were to let this coverage lapse, the insurance provider would be obligated to notify the court that this has occurred. Due to this requirement, it is often the case that these insurance carriers will require individuals to either pay for the entire policy upfront or to at least pay for multiple months of coverage at once. Furthermore, it may take the courts some time to process the receipt of this notice, which can be a factor for those that have to wait for confirmation from the courts of receipt of this notice to start driving again.

Will You Always Have To Carry SR22 Insurance Coverage?

The length of time that you will have to carry this type of coverage will be determined by the courts. In some cases, individuals may only need to carry this insurance coverage for several months. However, it can be possible for individuals to be obligated to carry this coverage for several years or longer. Regardless of the length of time that you are obligated to carry this coverage, you will have to be diligent to avoid allowing coverage gaps to occur as the courts could be notified and implement a license suspension or other punishment. These requirements may apply even if you sell your car.

Contact a company like Bill Blake Auto Insurance to learn more about SR22 insurance.

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