Being a responsible motorist is something most individuals will take seriously. Nonetheless, nobody is perfect. There may be some occasions where you find yourself on the wrong side of the law by either driving recklessly or perhaps being charged with a DUI. As a result, your driver's license could either get suspended or revoked altogether. A presumption that some motorists make when this happens is that they simply will not be able to dive for a stipulated period, but this is not the only ramification that you will face.
You should also know that a majority of automotive insurance providers will also cancel your coverage. Hence, when you regain your driving rights, you could end up having a tough time locating an insurance provider that will offer you coverage. If this sounds familiar, it may be time to look into SR 22 insurance. This article answers a few of the typical questions that you may have about SR 22 insurance coverage.
How does SR 22 insurance differ from conventional auto insurance?
The first thing that you should know about auto issuance is that it is mandatory if you are to drive legally. However, when auto insurance providers are unwilling to offer you any coverage, you still need to obtain a policy that will protect you and other road users. SR 22 auto insurance is the minimum available coverage that you can seek in replace of traditional auto insurance. You will need your chosen insurance company to provide you with coverage if there will be any hopes of having your driver's license restored by the Department of Motor Vehicles.
What would put you at risk of requiring SR 22 insurance?
As stated earlier, driving under the influence as well as driving recklessly will increase the threat of having your license suspended and, as such, will necessitate SR 22 insurance. But these are not the only scenarios that would put you at an increased risk of requiring SR 22 car insurance coverage. If you receive an inordinate number of traffic tickets, you could have your license suspended and, consequently, will have to apply for SR 22 insurance.
On the other hand, if you were liable for a car accident and it was discovered that you were driving uninsured, you can lose your license and therefore require SR 22 insurance services. It is also worth noting that individuals that have backdated child support could have their drivers' licenses suspended as punishment. Nevertheless, the delinquency threshold of the overdue child support payments can vary from one state to the next.
For more information on SR 22 insurance coverage, contact a company like Bill Blake Auto Insurance.