Reasons You Might Need SR22 Insurance to Hit the Road Again

Reasons You Might Need SR22 Insurance to Hit the Road Again

You may wonder when you need to obtain SR22 insurance. The policy can be tricky to understand, so it makes sense that many are confused. Keep yourself in the know, and educate yourself on the reasons you might need SR22 insurance.

Driving under the influence

If you’re found guilty of driving under the influence, you may need SR22 insurance. Since those who get a DUI are seen as a higher threat on the road, an SR22 is required to be insured. According to Insurance.com, your car insurance increases by an average of 80% after a DUI. It may seem like a huge blow, but with the right insurance company, you can find a solution that works for you.

Driving without insurance

You need insurance to drive in the first place, so there’s quite a penalty if you drive without it. Those caught driving without insurance may need to obtain SR22 insurance to drive again. You’ll also need to file for an SR22 before you can obtain new insurance.

Repeated traffic offenses

This one is more on a case-by-case basis, but repeated traffic offenses are a reason you might need SR22 insurance. If you continue to accumulate offenses, such as DUIs or reckless driving charges, it’s very possible that you’ll need SR22 insurance; otherwise, the severity of the charges may increase. The higher liability you are on the road, and the more dangerous you are to other drivers, the more likely it is that you’ll need SR22 insurance.

Being at-fault in an accident without insurance

Similar to driving without insurance, if you’re found at fault in an accident and do not have insurance, the need for SR22 insurance becomes much more likely. Any at-fault accident can do a number on your insurance rates, but if you cause an accident without insurance, a costly SR22 policy may be in your future.

No matter the reason you need SR22 insurance, and no matter how overwhelmed you may feel, there’s still hope. Whether you need to obtain SR22 insurance in Denver, or in Las Vegas, with the help of qualified professionals, you can find insurance that works with your needs.