SR-22 Insurance: What is it? Who needs it?

It comes as no surprise when data from the United States Census Bureau shows that car accidents are a frequent occurrence in roads and highways all over the nation. For the year 2009 alone, the federal government agency noted that a total 10.8 million vehicular crashes had been reported. While the numbers of such accidents have steadily declined in recent years, the U.S. still sees a fair amount of fatalities caused by traffic collisions. According to the U.S. Department of Transportation and National Highway Traffic Safety Administration, a total of 32,719 people have died in car accidents last 2013.

Both of these aforementioned facts are troubling. Roads and highways still aren’t as safe as they can be, and drivers should take heed of the things they can do to ensure such accidents occur less in the coming years. One of the most important points that come up in this regard is the necessity of SR-22 Insurance.

SR-22 Insurance is among the many different safety nets mandated by different state laws to ensure that the safety of motorists and pedestrians are prioritized in roads and highways. It is a type of insurance policy that is required of certain drivers before they can regain their privilege to operate their vehicles once again. In some states, SR-22 is required from drivers that have been convicted of traffic offenses or have committed a certain number of violations over a specific period of time. SR-22 is particularly necessary for individuals who were convicted of driving under the influence (DUI) or driving while intoxicated (DWI) and those that have incurred 3 or more traffic violations within a span of a year or so. Causing a car accident without providing proper insurance information can also cause a driver to be required to have SR-22 before having their suspension lifted.

To get SR-22 insurance, you will need to speak with a reputable insurance company and pay a minimum premium in order to get the required amount for your policy. From there, you can fill out the SR-22 form proving that attained the coverage policy required of you and then have it forwarded to the Department of Motor Vehicles or DMV. There are insurance companies will take care of this entire process, ensuring clients that they won’t have to worry about going through the lengthy and complicated process. If you want the same convenience, do your research and shop for a company that can offer the best services for the most reasonable price.