You might be looking at purchasing SR22 insurance for several reasons. If you already have homeowner's insurance or renters insurance with one company, ask them about the SR22 policies. You'll be able to add riders to your existing coverage, and they may include a provision that allows you to carry uninsured motorist protection. Or maybe you're just looking for a discount. Here's a closer look at the situation.
Several things would classify you as a high-risk driver. The first is multiple traffic violations. Even if your state has determined that you're a low-risk driver, you can still buy SR22 insurance. Some states even have different definitions of what makes a driver high risk. But the most common reasons for requiring the SR22 insurance are: driving without a current insurance policy in force, if you've been caught speeding, having multiple traffic violations on your record, or if you're considered a repeat offender.
Another reason that it's important to carry SR22 insurance is if you're going to be the policyholder of another vehicle. Many states require that you carry liability or collision coverage on a car, even if the vehicle isn't your own. This requirement is often called a "DUI charge". If you carry SR22 insurance, your coverage will include that fee.
Your insurance carrier will also want to know about the type of vehicle you drive, as well. If you're getting SR22 insurance and you're also getting your vehicle custom altered (spaced by paint, interior upgrades, or any other kind of modifications), your coverage needs to be increased. The same is true if you're making any significant modifications to an older vehicle.
Another reason that it's smart to carry SR22 liability coverage on your auto policy is the legal responsibility that comes with owning a vehicle. Every state requires that drivers maintain some sort of financial responsibility insurance on their vehicles. Liability coverage includes bodily injury and property damage that you cause in a wreck. If you cause an accident, and no one can prove fault, then you must be the at-fault driver on the record. Some states have a "no-fault" law, so you need to be sure that you'll be covered if you've been charged with a traffic violation.
One last thing to keep in mind about SR22 insurance is that it doesn't cover basic maintenance, which is where most people get into trouble. If you need to tune your car up or replace certain parts, then you'll need to purchase additional coverage from your auto insurance company. That means that you'll need to research the different options your insurance company has for these types of specialized repairs. When you're shopping around for insurance, be sure that you understand what your state's requirements are for this coverage, as well as your own needs. By keeping all of this information in mind when comparing SR22 insurances, you should be able to choose the best possible option for your situation. To gain more knowledge on the importance of car insurance, go to: https://www.huffpost.com/entry/why-staying-with-your-car_b_11595622.