If you are stopped for one or more moving violations and don’t have the proper insurance coverage, the Alabama Department of Motor Vehicles may require you to purchase what is informally known as an SR-22. Since it is not technically insurance at all, this can be a confusing concept. Aaron Insurance Agency in Dothan, AL, is committed to protecting your personal and commercial property and explains what an SR-22 is and why you need it.
What Is an SR-22?
An SR-22 is a form your insurance company files with the state on your behalf to certify you comply with the minimum legal requirements. Only insurance agencies licensed to operate in the state may submit this bond, and you must pay them a nominal fee, typically $15, for the service. The Alabama DMV requires an SR-22 submission when drivers accumulate too many points on their license, are found driving without insurance, or are convicted of a serious moving violation like reckless driving or DUI.
Why Must You File an SR-22?
The purpose of an SR-22 is to ensure drivers who might otherwise forgo the expense of auto insurance continue to protect their vehicles. Thus, the DMV requires it when someone has a history of driving without coverage or their cost is higher than normal because of previous moving violations. The goal is to promote safe, responsible vehicle operation. In fact, the "S" and "R" in the name SR-22 stand for "safety" and "responsibility." If you fail to submit an SR-22 as required, you could lose your driving privileges and receive a fine.
Aaron Insurance Agency has been helping Dothan, AL, motorists maintain their driving privileges since 2000. They will supply you with high-quality, affordable coverage and help you file your SR-22 with the DMV. Visit their website to request an insurance quote, or call (334) 712-0777 to discuss your options with an experienced agent.