Consequences Of Failing To Get SR22 Insurance

SR22 insurance coverage is a requirement by law for people that have had too many driving violations or one major violation. If you are told you need it, you could face major consequences if you fail to get it, especially if you continue to drive. If you are thinking about not getting this coverage, you may want to think twice about this decision. Failing to get this coverage when it is needed could result in the following consequences.

Loss Of Driver's License

The first consequence you could face is losing your driver's license. When you are notified that you must get SR22 insurance coverage, this is not something you can choose to do. If you want to drive with a valid driver's license, you must get the coverage. Your letter will have a deadline date on it. Failing to get the coverage by this date will result in a loss of driving privileges.

While you could get the driver's license reinstated by getting the coverage, it will be more of a hassle. It is better to get the coverage right away to avoid the possibility of losing your driver's license. In addition, there is a good chance you may have to pay extra fees to get your license reinstated after the DMV office suspends or revokes your driving privileges.

Lawsuit If You Cause An Accident

Secondly, if you are planning on driving without a valid driver's license, do you realize what could happen if you cause an accident? If you fail to get SR22 insurance, you probably will not have any insurance coverage, but even if you have a regular policy, your insurance company is not likely to pay the damages to other cars if you do not have a valid license.

Therefore, if you cause an accident, you could face the possibility of a lawsuit from the other party. The party you collided with has the right to sue you for the damages you caused, and a car accident lawsuit can be worth a lot of money. This is a huge risk to take by choosing not to get the coverage you need. In addition, if you get pulled over while driving, you could face a lot of other legal consequences for breaking the law.

Problems Getting Your License Back

The final thing to consider is how SR22 insurance effects your ability to drive in the future. When you need the coverage, you will never have the ability to get your driver's license back until you have had the coverage for the specified amount of time. This time period is typically three years, but it may be longer or shorter for you. The most important factor to realize about this is that this coverage must be continuous. In other words, your three-year requirement will not be complete until you have had coverage for three consecutive years without any lapses in coverage.

A lapse in your SR22 insurance coverage will cause you to lose your license, but that is not all. When there is a lapse in coverage, the three-year period will begin again. This could be devastating if you had coverage for over two years and then had a lapse in coverage.

You should also understand that if you choose not to get coverage now, you will still have to complete the three-year requirement when you finally do decide you want to have a valid driver's license. In other words, you cannot get out of getting the insurance just by waiting.

SR22 insurance can cost more than regular car insurance, and this is why shopping around for rates is important. To learn more, contact an insurance company that offers SR22 coverage or navigate to this website so you can avoid these consequences.