Stop Paying Too Much for Insurance

cop writing ticketIf your driving record is not up to standards, a judge can order you to file an SR-22 insurance certificate with your state’s Department of Motor Vehicles (DMV) in order to restore a suspended or revoked license. Most drivers that need an SR-22 have:
  • A number of traffic offenses
  • Been in a serious at-fault accident
  • Been convicted of a DWI, DWI or OUI
  • Caught driving without insurance
  • Caught committing a felony while driving a car
  • Other offenses
The cost of auto insurance usually goes up after filing an SR-22 form, and some drivers struggle to keep their coverage active. There are serious consequences for those who let their auto insurance and/or SR-22 certificate lapse.

Consequences of Driving Without an SR-22 Insurance Certificate

Driving without an SR-22 car insurance policy when ordered to do so does not have a happy ending for the driver. Drivers can be arrested for not having an SR-22 insurance certificate. It does not take much either, as many states use a system known as ALIR where insurance companies notify DMV offices when a policy is canceled.

If you are required to keep up an SR-22 certificate and do not, you may find yourself in a world of hurt. The first consequence is that the clock on your time for needing an SR-22 starts over again. While most states require a three-year term for drivers needing an SR-22, not all states are the same. For instance, Alaska has a five-year term for the first offense and a ten-year term for a second. What a hassle if you have to start that timeframe all over again!

Texas is hard on drivers who have their SR-22 terminated before its time. The Texas Department of Public Safety, after notification from your insurance company that your SR-22 certificate has lapsed, will start enforcement proceedings against you. In most cases this means that both your vehicle registration and your driver's license can be revoked. In the state of Washington, failure to complete the full year term without interruption means you will not be able to renew your license. And in Florida, failure to follow the three-year term means you lose your car license plates and registration, and your license may also be suspended.

Continuous Means…Continuous

Most states require that your SR-22 insurance certificate remain in full force and effect for the entire statutory period. If you change insurance companies, ask them to file a new SR-22 for you. And always carry a copy with you when you are driving.

Get the coverage you need. Call Auto Insurance Discounters at (866) 288-6545 for more information on Kansas City SR-22 insurance.
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