Disobeying traffic laws can have serious and long-lasting consequences. Depending on the violation or how many points you accumulate on your record, you may not only face hefty fines and increased insurance rates but also a license suspension. If this happens, the state of Alabama will require you to obtain SR-22 insurance before your license can be reinstated. If this is the case, you’re likely to have a number of questions about what this means. The following information offers some basic insight.

What to Know About SR-22 Insurance 

What is it?

SR-22 insurance is not an actual insurance policy but a certificate of financial responsibility proving that you have purchased the minimum amount of liability coverage required in your state. In Alabama, drivers must carry $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. The certificate must be acquired from a state-approved insurance company and filed with the DMV.

When is it required?

The certificate is required when someone has been deemed a high-risk driver. This can happen for a variety of reasons, including a DUI conviction, driving without insurance or a valid license, excessive traffic tickets, or reckless driving.

How long do you need it? 

Typically, you’ll need to verify your fulfillment of the state’s auto insurance requirements for a minimum of three years. In some cases, the court may require that an SR-22 certificate stays on file longer. To maintain your certification, you must keep your policy premiums up to date. If your policy lapses, your insurance company is legally obligated to notify the DMV, which will result in an immediate license suspension or revocation. 

Do you need it if you don’t own a car?

If you’re required to show proof of financial responsibility to reinstate your license, you’ll need to obtain the certificate even if you don’t own a vehicle. This means you’ll first have to purchase a non-owner insurance policy that meets the state’s minimum liability coverage limits and then attach your SR-22 filing. This policy will cover you while driving any vehicle you don’t own, but it doesn’t work for rental cars, vehicles you drive on a regular basis, or other cars in your household. 

If you have additional questions about SR-22 insurance or need to find affordable high-risk coverage, the professionals at Aaron Insurance Agency can help. For nearly 20 years, they’ve been entrusted to provide Dothan, AL, drivers with quality insurance solutions at competitive prices. As an independent agency, they have the freedom to offer you products from several top-rated carriers and will assist you in choosing the ones most suitable for your situation. Call (334) 712-0777 to schedule an appointment or visit their website to submit a quote request online.