Everyone makes mistakes and deserves a second chance, and for those who have had regrettable experiences on the road while driving, then an SR-22 insurance certificate or plan can help them recover from their past. If this is your first time getting into trouble, particularly in relation to motor vehicles, then you may be a bit confused as to what this type of insurance does. It is extremely important that you know exactly how this insurance helps you, so here are a few reasons why you need to know the ins and outs of an SR-22 insurance plan for the foreseeable future.

Guarantee To The Government

An SR-22 insurance plan is often referred to as simply a certificate because it, in itself, is not a type of insurance. It is your motor vehicle insurance company telling the government that you are, indeed, insured and have all the correct paperwork in order. This is due to past behavior where you may have proven yourself to be unreliable as a driver, so now the government ensures you have the proper insurance by requiring you to have SR-22 insurance. This can only be done by your insurance agent and you have to bring it up to them, they will not automatically know to do it for you. 

What Caused You To Get An SR-22?

There are many reasons why the government might issue you with a requirement to have an SR-22. Perhaps you were in an accident in the past and were not insured. Maybe you simply didn't pay a hefty amount of parking tickets and other fines that lead the government to believe that you may not be financially able enough to have insurance. Whatever the case, once you are required to have an SR-22, you will not be able to drive without it, and if a cop finds out you are, then you could have your license suspended permanently.

Will It Last Forever?

No, an SR-22 does not last forever. Different states and counties have different rules, so make sure to check with yours. Generally, it is a couple of years, and the form does not, itself, cost that much for your insurance agent to submit. However, during this time you will probably be paying more in insurance due to higher premiums because of your record, and there is nothing to be done about that. As you prove you are reformed and a better driver, this will also go down and you will reap the rewards other safe drivers have!  

For more info about SR-22 insurance, contact a local company.