The United States Census Bureau reported 10.8 million cases of vehicular accidents in the year 2009. This makes painfully clear the fact that accidents are a common problem in America. For their part, the federal government has taken several measures to mitigate the growing number of these accidents and the severe injuries they typically lead to. Among the safety nets put in place by the law is requiring drivers to have appropriate insurance.
Drivers all over America can be covered by different types of insurance. Since policies differ from state to state, their insurance coverage will depend on where they live. The type of insurance required by law will also depend on different contexts or scenarios. For example, there are particular drivers that will be required to file an SR-22.
Unlike other types of insurance, an SR-22 is specifically meant for drivers that have committed traffic law violations. These drivers are typically referred to as high risk drivers and have been suspended from driving privileges as part of the penalty for their infractions. The only way high risk drivers can regain these privileges is if they file an SR-22 form to the Department of Motor Vehicles (DMV), which will prove that they’ve paid for an insurance package that meets requirements mandated by state law.
As pointed out by the website of Habush Habush & Rottier S.C.®, an SR-22 is required of drivers who have committed the following violations:
- Driving under the influence (DUI)
- Driving while intoxicated (DWI)
- Driving without insurance
- Causing an accident without proper insurance
- Committing 3 or more violations in a single year
To regain your privileges as a driver, you will need to consult with a trusted insurance company and pay for the policy that’s appropriate for your situation. Once you’ve purchased the required insurance policy, you will have to fill up the SR-22 form and submit it to the DMV office in your area. There are insurance companies that can help you with this process and ensure that you get your privileges right away. Make sure you do sufficient research to find the company that’s most equipped to handle your SR-22 insurance.