Debunking 3 Common SR-22 Misconceptions
SR-22 requirements are standard for drivers with one or more severe incidents on their record. For example, many states mandate SR-22s following DUI convictions or after a driver has received too many speeding tickets. This requirement is not usually permanent, but you can expect it to stay with you for at least a few years in most states.
While this requirement might seem a little frightening, it's not unmanageable, and it's often better than alternatives such as a suspended license. Since many people aren't familiar with the concept of an SR-22 before they receive their court order, there are many common misconceptions. Keep reading to learn the truth about three common SR-22 misconceptions.
1. SR-22 Is a Special Type of Insurance
SR-22 simply refers to a form your insurance company must file with the state. This form certifies that you have a minimum level of coverage on your vehicle, and it comes with a few unique stipulations. In particular, you can expect your insurance company to notify the state immediately of any coverage lapses. These lapses may have severe consequences, including license suspension.
Aside from this, you'll purchase a standard insurance policy. Your premiums will be higher since many insurers group drivers with an SR-22 requirement into high-risk categories. Aside from this difference, the process of purchasing and maintaining your insurance policy will be the same.
2. You Need Higher Coverage
An SR-22 requirement alone does not force you to maintain coverage above your state minimums. However, some states do impose additional requirements above and beyond the SR-22 form. For example, Florida and Virginia may use an FR-44, which is similar but requires additional liability coverage. As long as you don't live in a state with these additional requirements, you can purchase insurance with the usual minimum levels of liability coverage.
3. You Can't Shop Around
While not every insurer will work with SR-22 requirements, many do. You may have to spend more time researching insurers to find ones that will work with you, but you're free to shop around and switch providers to find an affordable rate. Most insurers will still allow you to request quotes and even purchase insurance online, just as you would if you didn't have an SR-22 requirement.
Although the costs of maintaining insurance after receiving an SR-22 judgment may seem harsh, they allow you to continue driving despite severe issues with your driving record. By maintaining your coverage for several years and keeping your driving record clean in the future, you'll eventually be able to clear your SR-22 requirement and purchase cheaper insurance as part of a lower-risk group. Contact SR-22 car insurance providers to learn more.