One of the misconceptions about what is SR 22 insurance is that it is only for people that have had a DUI or DWI. While these are the two most common reasons, there are some other reasons that you might need SR 22 insurance.
The SR 22 insurance certificate is a common thing that is required for people that are ordered to have proof of auto insurance by a judge. The certificate is also related to your auto insurance carrier so that they know that you have the financial means of providing and continuing to have car insurance.
While most of the time having an SR22 certificate can result from a DUI or DWI, all it really means is that the car insurance company that you go with must notify the Department of Motor Vehicles in your state if you fail to maintain your insurance.
So, what other reasons would you need SR 22 insurance coverage? Well, if you have had an at-fault accident without insurance coverage, then this is another big reason why. If you were in an accident that was determined to be your fault, and you didn’t have insurance coverage, then you would be cited into court for failure to have insurance. The judge at this time can require SR 22 insurance in order for you to prove that you have insurance.
The reason that you would need to prove insurance coverage is if your drivers license was suspended or revoked because of the accident.
Another reason would be if you have had other traffic violations that would have resulted in revoking or suspending your drivers license. While there are many types of traffic citations and violations that could lead to your drivers license being suspended, not all of them would require an SR22.
The SR 22 is a method of the court system to control you having your license. You must maintain auto insurance coverage in order to keep your license. Some of the low cost car insurance companies provide SR 22 insurance coverage at great prices, designed just for these types of circumstances.