Talking With Insurance Companies

If you were driving under the influence of alcohol and ended up with a DUI charge, you will probably be required to purchase an auto insurance policy that has SR22 coverage on it. If this is something you are required to do, you will receive notification about this and will have a date by which you must purchase the policy by. You could choose to buy this insurance, but you could also choose not to. If you choose not to, it's important for you to know the risks involved, and here are some of the main ones.

You will not have a valid driver's license

There is no getting around SR22 coverage if you want to keep driving with a valid driver's license. Therefore, if you choose to not purchase this coverage if you need it, the DMV will revoke your driving privileges. In other words, you will not be able to legally drive, as your driver's license will not be valid without the coverage. If you need to drive to get to and from work, you would have a major problem on your hands if you no longer had a valid driver's license.

You will have to purchase the policy whenever you do purchase insurance

The second thing to understand is that the requirement for SR22 insurance does not simply go away over time. If you are told you must have it for three years, you will need it for three years no matter when you choose to buy the policy. For example, if you wait for 10 years to get it, you will start your three-year requirement as soon as you purchase a policy, even if this is 10 years after you are told you need it.

You could get in trouble with the court

A DUI is a crime that is handled by the court. When the court determines your punishment for the crime, you are required by law to adhere to the punishment they give you. One of the punishments for this type of crime is the requirement to have SR22 insurance. Therefore, if you elect not to purchase a policy, you may end up with legal problems at some point from this.

When you need SR22 coverage, the best thing to do is to purchase a policy. If you purchase a policy and keep it in place for the time requirement you are given, you can eventually drop the SR22 coverage and have a regular auto insurance policy. To learn more about this type of coverage, talk to an auto insurance company that offers SR 22 insurance services.