Many people take their driver’s license for granted until they actually lose it. Without a driver’s license, it seems as if you lose a bit of your freedom since you can’t go places the same way you once did. Fortunately, if you’ve only been ordered to maintain SR-22 insurance, then you should cherish the ability to go anywhere you want, when you want.
Although you still have the ability to drive, being ordered to have SR-22 coverage is a close call. In fact, it’s so close, you should make every effort to understand the requirements of maintaining SR-22 coverage to avoid any violations that could lead to your license being suspended.
You Can’t Drive Until You Have SR-22 Insurance
After realizing you will still have the ability to drive, your next stop—after leaving the courthouse—should be to your insurance agent. Your agent issues and submits your SR-22 certificate to the courts or the Division of Motor Vehicles (DMV) on your behalf.
Although some car insurance companies are able to provide you with an SR-22 certificate on the spot, others aren’t. You may have to wait up to 30 days to get your SR-22, so you should request the certificate as soon as possible. Driving without your certificate could result in the courts revoking your ability to drive legally.
Keep Your SR-22 Certificate with You at All Times
When you drive, you have to have your license, registration and proof of insurance with you. When you are ordered to have SR-22 insurance, you have to have that certificate with you at all times too. Since your SR-22 insurance is associated with your liability insurance, not having it handy when a police officer pulls you over could result in a ticket. To be safe, always have your SR-22 certificate ready for any official who demands to see it.
Maintain Continuous Car Insurance Coverage
In order to exercise your ability to drive freely after being ordered to maintain SR-22 insurance, you have to have continuous coverage. In actuality, if you own a car, you have to maintain continuous insurance coverage anyway, so complying with this requirement should be simple enough.
Your life doesn’t end when you are ordered to have SR-22 insurance. With a little due diligence and patience, it’s possible for the courts or the DMV to remove the requirement once you’ve fulfilled your obligation.
Are you covered? Call Auto Insurance Discounters at (816) 252-2255 for more information on Kansas City SR-22 auto insurance.