If you’ve carried an SR-22, you likely know that these requirements end after a certain period of time.
However, just because your SR-22 period is ending, that doesn’t let you completely off the hook. You have to continue to take special precautions to guard your insurance risks in the future.
Why did you have an SR-22 Certificate?
Most states require SR-22 certificates for drivers who they have deemed a high risk. SR-22 requirements might stem from multiple tickets, wrecks, DUI charges and other infractions.
SR-22 certificates are not insurance policies. They verify for your state authorities that you carry insurance.
Your insurance company issues the SR-22 and sends the certificate to your state DMV. It remains on your record until your penalty period ends. Most penalties last around two years.
As you prepare to end an SR-22 penalty, keep certain tasks in mind to completely rid yourself of the charge.
Check Your Driving Record
Take the time before an SR-22 expires to examine your driving record.
Stay aware of any penalties you must serve, and how these charges affected your record. Pay all your fines, take traffic courses, and answer to all requirements the law has placed on you. Doing so will ensure your record reflects your history accurately after the SR-22.
Talk to Your Insurance Provider
Most SR-22 certificates expire automatically. You likely don’t have to contact your insurance company to get the certificate removed. Usually, your insurance company or the state DMV will notify you that the SR-22 period is ending.
However, you could benefit by contacting your insurance company around the time the SR-22 ends.
- Make sure the insurance company knows the exact date of the SR-22 expiration. Ask your insurance firm if you owe them any supplementary payment upon expiration.
- Ask your insurance agent how your insurance rates will change. Now that you no longer have an SR-22 certificate, you might see your premiums decrease.
- Talk to your agent about changing your insurance coverage. The SR-22 may have required you to carry certain levels of insurance to better protect liabilities. Now that the SR-22 is gone, you might have the option to adjust your coverage levels to better meet your needs.
One SR-22 requirement is enough. If you gain many SR-22 requirements, this spells problems for you and your insurance. SR-22 penalties will likely intensify the more you get of them.You may face insurance increases, and you might even face the loss of your driving privileges. Further SR-22 requirements depend on your place of residence.
We have your insurance needs in mind. We can help you get the SR-22 insurance policy that you need. Give us a call at (541) 383-1733 for a fast, free Bend auto insurance quote.