If you’re a driver in California, you might have heard the term SR-22 insurance thrown around, especially if you’ve recently faced a traffic violation. However, misconceptions about SR-22 insurance abound, which can lead to confusion and unnecessary stress for those who may need it. Let’s clear the air by tackling some of the most common misunderstandings surrounding SR-22 insurance.
Misconception #1: SR-22 Insurance Is a Type of Insurance Policy
One of the biggest misconceptions is that SR-22 insurance is a standalone insurance policy. In reality, it’s not a type of insurance at all. An SR-22 is simply a certificate that your insurance company files with the state to prove you have the minimum required liability coverage. So, while you will need to have insurance coverage to obtain an SR-22, the SR-22 itself doesn’t provide any coverage. Understanding this distinction is crucial for making informed decisions about your insurance needs.
Misconception #2: Only High-Risk Drivers Need SR-22 Insurance
Another common myth is that only high-risk drivers, such as those with multiple DUIs, need an SR-22. While it’s true that high-risk drivers are often required to file for an SR-22, that’s not the whole story. Various situations can necessitate an SR-22 filing, including driving without insurance, certain traffic violations, or even having your license suspended. So, it’s important to recognize that a broader range of drivers might find themselves needing an SR-22, not just those with a rocky driving history.
Misconception #3: SR-22 Insurance Is Expensive
Many people believe that obtaining SR-22 insurance is prohibitively expensive. While it’s
true that your premiums may increase if you need an SR-22, it’s essential to consider the bigger picture. The cost of SR-22 insurance varies based on several factors, including your driving record and the insurance provider you choose. There are plenty of affordable options out there, so shopping around and comparing quotes can help you find a rate that works for your budget. For the most affordable SR-22 insurance in California, contact MIS Insurance.
Misconception #4: SR-22 Insurance Is Permanent
Some drivers think that once they obtain an SR-22, they will have it forever. This is far from the truth! In California, the typical requirement is to maintain SR-22 insurance for three years. After this period, as long as you’ve kept your record clean, you can request to have the SR-22 filed canceled. It’s essential to keep track of your filing and ensure it doesn’t lapse during this period, as that can lead to further complications with your driving privileges.
When Is It Necessary to Get an SR-22?
Driving Recklessly
Have you been irresponsible with your driving lately? Perhaps you’ve been caught driving over the speed limit, or you’ve been tailgating other vehicles and being aggressive. This type of violation is taken seriously in California, which means that you have to endure the consequences. While you can get a fine that’s expensive and can affect your driving record, you also have to now file an SR-22 form. So, if you have been driving recklessly and found guilty of this violation, be prepared to do this if you want to keep enjoying your vehicle.
Not Following the Traffic Signals
Have you run a red? This is something that’s going to require you to get an SR-22. This is because you’re not following the rules of the road and you could cause an accident. In addition, if you’re not abiding by stop signs, this is another incident that means you have to get insurance. You’re going to be seen as a risk to others on the road, which means that you’ll have to pay more in California.
Racing Cars
Have you recently been involved in a race on the road? There are many people that think this is a huge thrill. You love the speed and competing against others. But, this comes with huge consequences, and none of them are good. In particular, if you’ve been found racing and speeding, you can require SR-22 insurance. Not only can this be a hassle, but it can cost you money.
Unpaid Child Support
Do you currently have a court order to pay child support? This is something that you’re required to do, and you have an obligation to give this amount and for the agreed duration. If you don’t follow the rules, it can mean that your driving license might be suspended. When this happens, you’re going to need to get SR-22 insurance.
Conclusion
In conclusion, understanding the realities of SR-22 insurance is essential for anyone who may need it. By debunking these common misconceptions, you can navigate the world of SR-22 insurance with confidence and clarity. Whether you’re a new driver or someone who’s faced challenges in the past, being informed will empower you to make better decisions about your coverage.
