Is SR22 Insurance Really That Necessary?

In order to understand if SR22 insurance is necessary for you, there is a prior need to first understand what SR22 insurance actually is – and it isn’t an insurance policy, despite what the name might imply.

SR22 insurance (sometimes called FR Filing) is necessary documentation in order to prove that your vehicle is insured and that you can be held financially responsible for your actions. It does not, in any way, replace a regular insurance policy for a vehicle in any way.

When is it necessary? That can be a bit more complicated.

It is made legally mandated for you to acquire SR22 insurance if you have incurred too many smaller infractions (such as three moving violations within a 12-month period, for example) or if you have been involved in one somewhat major incident such as one involving driving with insurance or driving while under the influence of dangerous substances. This kind of certification is necessary in order to provide proof that says that the state is allowing for you to be on the road again.

After all, these means of transport are practically a necessity in this day and age. Securing permission to be allowed to drive on the road again may be a matter of being employed or being homeless – and, funnily enough, most people tend to favour the former option rather than the latter.

It can be difficult to secure this kind of documentation however as insurance companies can regard marks like this on your driving record as risks and have a few options at hand, one of which is to deny you of a policy outright or charge you outrageously high rates. There are, fortunately enough, agencies out there that can help you navigate through the options that you have and allow for you to secure the policy and SR22 insurance that you need. For more information about SR22 insurance, contact your local car accident lawyer.