If you are a driver, you will agree that mistakes are quite rampant on the road. Some of them could be your fault while others are totally out of your control. In instances where accidents occur, or you violate the traffic rules, you may require to produce an SR22 form as proof of responsibility. Often, failure to produce this form may result in penalties. In most cases, the driver can have their license suspended for a period. You can never anticipate when a problem occurs, thus, this form becomes quite important, and all drivers are advised to have it. SR 22 Lacey Company advises drivers on some of the queries that arise concerning these forms.
What it covers
Contrary to what many people think, this type of insurance does not cover all your needs. Though it is a form of insurance, it is rather precise and only covers you for future liability. It is a proof of the drivers responsibility and is normally required by the motor vehicle industry. The court will thus demand it if you are brought before the jury for defense. You will thus require other types of insurance coverage to cater for other auto needs.
Who needs SR 22 insurance?
Most people do not understand the purpose of the SR 22 insurance. Here are some of the three categories of people who will find the form useful.
Accident victims- In such cases, the driver will require to provide the authorities with the SR 22 forms. The fault of the accident in this case is irrelevant.
Traffic violators- Those found driving under the influence or driving recklessly must produce this insurance.
High driving points- Those who have had extremely high points within a short period will require this insurance. However, the points vary from one state to the other.
In most cases, SR 22 insurance will not cost you a lot. It is even free in some states though there may be other recurring charges included. You need to find out from the insurance company the terms and conditions of the insurance.
At the end of the day, you understand why you need SR 22 insurance. As long as you are on the road, you never know when you will need one. After all, accidents are inevitable and it is quite common to violate traffic rules. This makes SR 22 Lacey services very important.
