Receiving a court order for an SR-22 means that you are mandated to carry auto insurance and your insurance carrier must communicate your coverage status in the event of any changes. If you fail to meet your obligations under the SR-22, you can face suspension of your driving privileges and the potential for fines or worse. Here are some of the things that you should understand when it comes to compliance with an SR-22.
The Importance of Continuous Coverage
An SR-22 is a certificate of financial responsibility that indicates your establishment and maintenance of sufficient insurance coverage during that SR-22 mandate period. You are responsible for paying your policy premiums on time and renewing that policy before its expiration every period to maintain your compliance with the certificate. Your insurance carrier has a legal obligation to notify the state when your coverage lapses, which could result in further enforcement actions, including prolonged SR-22 mandates and more.
The Value of Responsible Behaviors
While you carry an SR-22, it is important that you avoid any fault-based insurance claims or further traffic violations. Any additional legal considerations or insurance risk factors could directly affect your ability to maintain that SR-22 and may lead to the court reconsidering your driving privileges entirely. Take extra care to be responsible behind the wheel throughout the duration of your SR-22 period.
The Establishment of Additional Obligations
Another factor to consider with your SR-22 is the fact that the court might institute additional obligations as part of the process. You might be required to pay specific fines, penalties, or restitution as well as avoid alcohol or even report for probation. Make sure that you follow any additional mandates so that you avoid jeopardizing or prolonging the process.
The Completion of Your SR-22 Period
Once you reach the end of the mandated SR-22 period, you can drop the SR-22 endorsement. You'll need to contact your insurance carrier first to confirm that you've reached the end of the period and they will advise you of the next steps. Further, make sure you obtain your compliance certificate, if necessary, from your insurance carrier in case you need to show it at the driver's licensing bureau.
Understanding the importance of SR-22 compliance and the steps necessary to ensure that compliance will help you complete the process more successfully. Talk with your insurance carrier and make sure you understand your specific court order so that you can take the necessary steps.
Contact a local company to learn more about SR-22 insurance.
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