{"id":1087,"date":"2023-10-09T14:00:00","date_gmt":"2023-10-09T14:00:00","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=1087"},"modified":"2023-10-06T14:01:04","modified_gmt":"2023-10-06T14:01:04","slug":"4-reasons-you-might-need-sr22-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-tips\/4-reasons-you-might-need-sr22-insurance\/","title":{"rendered":"4 Reasons You Might Need SR-22 Insurance\u00a0"},"content":{"rendered":"
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If you\u2019ve recently received a legal notification that you must have an SR-22 before you can drive again, you may be wondering why and how to begin the process. Several factors can result in an SR-22 filing.<\/span>\u00a0<\/span><\/p>\n

We\u2019ll help you understand<\/span> the SR-22 process<\/span><\/a>, but let\u2019s start by answering your first and most basic question.<\/span>\u00a0<\/span><\/p>\n

What Is an SR-22?<\/span><\/b>\u00a0<\/span><\/h3>\n

An SR-22 is a certificate of auto insurance that means your state has determined that, for one reason or another, you can\u2019t drive until you can prove that you have a certain level of car insurance. This often gets called SR-22 insurance, though it\u2019s really the legal paperwork needed to get such coverage.<\/span>\u00a0<\/span><\/p>\n

Basically, it means you have a less-than-perfect driving record. As a so-called high-risk driver, your state thinks you have a greater chance of causing an accident than other drivers. Here are some leading reasons you might have gotten a notice of SR-22 insurance requirement.<\/span>\u00a0<\/span><\/p>\n

1. You Got a DUI for Drinking and Driving<\/span><\/b>\u00a0<\/span><\/h2>\n

Getting convicted for drinking and driving can lead to <\/span>SR-22 or FR-44<\/span><\/a> requirements in most states. Depending on where you live, this might be called a Driving Under the Influence (DUI) offense, Driving While Impaired (DWI), or Operating While Impaired (OWI).<\/span>\u00a0<\/span><\/p>\n

Whatever it\u2019s called, the offense means that you have a suspended driver\u2019s license, and you can only get it back under a set of requirements. One of those requirements is that you obtain SR-22 documentation.<\/span>\u00a0<\/span><\/p>\n

2. You Have Too Many Reckless Driving Incidents on Your Record<\/span><\/b>\u00a0<\/span><\/h2>\n

Even totally sober drivers can end up with SR-22 insurance requirements. It might be a matter of receiving repeat traffic violations, such as speeding, quickly changing lanes without signaling, following drivers ahead of you too closely, or other acts that make the authorities consider you a high-risk driver.<\/span>\u00a0<\/span><\/p>\n

Just like with impaired drivers, the courts demand you file <\/span>paperwork<\/span><\/a> that shows proof you have auto insurance.<\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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