People may not always have an impeccable driving record at some point in their lives. It’s normal for human beings to make mistakes. But having too many driving violations leads to trouble, so you’ll want to ensure they don’t get out of hand. Otherwise, you risk losing your driving privileges. When that happens, the state requires you to file an SR-22 insurance certificate for reinstatement.
What is an SR-22 Insurance Certificate?
If you have a suspended license, some effort is needed to reinstate it. In some cases, getting an SR-22 certificate is easier said than done. SR-22 is a high-risk insurance certificate that your insurance provider must file with your state DMV that allows you to reinstate your license following a suspension. You’ll need to meet all other state requirements before becoming eligible for reinstatement.
Every state requires SR-22 insurance for license reinstatement; however, the laws and regulations surrounding it differ. For instance, most states require drivers to get an SR-22 certificate after a DUI or DWI conviction. However, Virginia and Florida require an FR-44 certification for drug and alcohol-related violations.
An SR-22 certification helps high-risk drivers legally drive again, provided the insurance policy tied to it stays current. Driving with a lapsed SR-22 policy results in the DMV suspending your license.
Reasons for SR-22 Insurance
These are common reasons people obtain SR-22 insurance:
- Driving without a valid driver’s license
- Accumulating excessive points against your record
- Driving without adequate insurance coverage
- Driving with a suspended license
- Having a DUI or DWI conviction
- Reckless Driving
Benefits of Getting SR-22 Insurance
There are various advantages to having SR-22 insurance, including:
One reason to get SR-22 insurance as soon as possible is that it removes driving restrictions. Owning a vehicle is necessary for most Americans because most U.S. cities have inadequate public transportation infrastructure. A Gallup poll shows that 83 percent of U.S. adults regularly drive, despite not enjoying it. But there are few other viable options because U.S. cities developed after the Industrial Revolution when the focus was on automobiles and building the roads needed for them.
Having a suspended license usually hurts your work and personal life. Most people need a vehicle to commute to and from work since most public transportation infrastructure in the United States is limited. The alternative for most people is to use cabs, Uber, or ride sharing apps. These options are expensive, however. The best choice over the long term is to pay a bit more for SR22 insurance to get back on the road.
Rehabilitating Your Driving Record
People make driving mistakes, but a single error shouldn’t doom you forever. Getting an SR22 allows you get a restricted driver’s license so you can commute to and from work. Most states require you to hold an SR-22 insurance certificate for a specific period, usually between three to five years. However, your driving record improves when the state removes your SR-22 requirement.
Peace of Mind
Another benefit of SR-22 insurance is that it offers high-risk drivers peace of mind. Maintaining SR-22 insurance protects you from the financial ramifications of automobile accidents because you have the necessary state-mandated insurance coverage.
Auto and Non-Owner SR-22 Insurance from UltraCar Insurance
SR-22 Insurance certificate Florida is necessary for license reinstatement following a suspension. Whether you’re a car owner or occasionally drive a borrowed car, you’ll need high-risk insurance to get back on the road. UltraCar Insurance is an established, family-owned insurance provider in the St. Louis metro area. We offer standard auto, SR-22, and Non Owner SR22 Insurance Florida in 34 states and FR-44 insurance in Florida and Virginia. Check our website for information and resources, call to discuss your insurance needs, or get started with an online quote!
This article was last updated on October 25th, 2022 by UltraCar Insurance