You were driving down the road a few miles over the speed limit when a police officer catches you diving around slower traffic. Suddenly, you have a ticket for reckless driving. Unfortunately, this citation can have serious consequences both for your license and your auto insurance. To get your license back, you’ll likely need to purchase SR-22 insurance. If you’ve never heard about this coverage, you’re not alone. Here are some of the most commonly asked questions about the coverage.

4 FAQ About SR-22 Insurance

What is SR-22 coverage anyway?

An SR-22 policy is essentially a guarantee you provide to the state that your car insurance meets the minimum requirements for liability coverage. The policy further stipulates that you’ll maintain or exceed those minimum coverage limits for a set amount of time. In most cases, you’ll be required to have an SR-22 policy for three years. However, if your infraction was severe or you’re a repeat offender, the period could be longer.

How do I know if I need the policy?

If you’re required to purchase the policy, you’ll receive a notice from the Department of Motor Vehicles in the mail. If you’ve had to go to court for your traffic offense, the court may order the coverage during your hearing.

Do I have to renew the SR-22 insurance?

Just as you need to renew auto insurance policies every year, you’ll also need to renew your SR-22 coverage. The process is simple, though. Just speak with your insurance agent and check the status of the policy when you’re renewing your car insurance coverage.

What happens if I let coverage lapse?

If you let your SR-22 expire or fail to renew your auto insurance policy, your insurance company is legally required to notify the Department of Motor Vehicles of your lapsed coverage. This often results in fines, but you could also have your license suspended for failing to maintain your insurance and violating the SR-22 agreement you gave to the government.

If you need an SR-22 insurance policy, contact the team at 1^st Choice Insurance in Fairfield, OH. Their experienced agents understand how stressful the process of recovering from a DUI or reckless driving conviction can be. They’ll work with you to find the best cheap car insurance to keep you on the road. Remember, the sooner you file for your SR-22, the faster you’ll be back on the road. Learn more about their services online, and call (513) 860-0666 for your free car insurance quote.