Choosing Insurance Doesn't Have To Be Stressful

Exposing Common SR-22 Insurance Myths

Ensuring that you are meeting the insurance requirements to operate a car on public roads is an important aspect of being a responsible driver. Unfortunately, these requirements can be more complicated than many people may realize. This can be especially true for those that are ordered to carry SR-22 insurance. If you have only recently learned about this type of insurance requirement, you will likely benefit from having the following two widely held notions dispelled.

Myth: You Will Have To Replace Your Current Insurance With An SR-22 Policy

There is a common assumption among some people that having an SR-22 requirement means that they will have to purchase an entirely different insurance policy. This belief can come from the idea that an SR-22 is a completely different type of insurance policy. Luckily, this is not the case, but rather, an SR-22 is a document that shows proof of insurance.

These forms are issued by the insurance company, and they are filed with the courts to show that you are meeting the insurance requirement for your vehicle. While you will not have to purchase a separate insurance policy for this requirement, it should be noted that you will likely have to pay the full price of the policy upfront. This is to prevent individuals from simply paying one month's premiums to obtain the SR-22 document, and while it may be inconvenient, it is essential for legally operating your car when you have been ordered to meet this requirement.

Myth: There Are Ongoing Fees Associated With An SR-22 Policy

Another frequently held notion is that SR-22 documentation requires ongoing fees to maintain. Due to the fact that these policies have to be paid for upfront, this is not actually the case. Furthermore, while there may be a small additional fee for the insurance company to issue this document to you and file a copy of it with the courts, this is a one-time charge. However, you may be charged additional fees for any replacement copies of this document, which makes it important for you to keep it in a safe location, such as the glovebox or console.

Having a requirement to carry an SR-22 form can be a somewhat inconvenient necessity, but those that fail to meet this court ordered requirement may find themselves without a license or facing expensive fines and jail time. Taking the time to learn the realities concerning the notions that this is a separate type of insurance and that there are ongoing fees associated with SR-22 insurance will help you to better understand and appreciate this requirement. Contact an agency like Angel Auto Insurance or a similar location for more information.