A Couple Of Common SR-22 Insurance Questions
When driving a car, a person will be subjected to an assortment of risks and hazards. While insurance is designed to protect individuals from the financial ramifications of auto accidents, some people may not understand the various type of policies and documents that can be required in order to legally operate a car. For example, SR-22 insurance documentation is a fairly common court mandated requirement. Yet, some drivers may not be familiar with this, and these individuals may benefit from having the following couple of SR-22 insurance questions answered.
Why Would A Driver Be Required To Have This Type Of Insurance Documentation?
Having at least a minimum amount of liability coverage is a requirement for individuals to operate cars. Sadly, there are some people that will fail to keep an active insurance policy, and if a person is found to have been driving a car without insurance, the courts can mandate that they submit SR-22 documentation to prove that they are properly insured. Interestingly, this is not the only time that a person can be required to carry this type of insurance documentation. It can also be required of those that have been convicted of driving under the influence or other offenses that may make the driver a high-risk for causing an accident.
What Happens When Someone Cancels Their Insurance Policy?
While SR-22 documentation is designed to prove to the courts that the driver has the requisite amount of insurance coverage, there are some people that will simply attempt to cancel these policies once the courts have received the appropriate paperwork. However, it should be noted that this is not likely to be successful because insurance companies are required to submit documents to the court when a driver's SR-22 policy is canceled. As a result, the court will be notified within a matter of days that your insurance has been canceled, and in addition to causing your license to be revoked, this can also lead to expensive fines and jail time for attempting to circumvent a court order.
SR-22 documentation is designed to prove that a driver has the legally required amount of insurance to be able to operate a car on public roads, but these documents are often poorly understood. By knowing the reasons why a person might be required to carry this type of insurance as well as the fact that insurance companies will alert the court when these policies are canceled, you will be better able to understand this requirement for operating your car.