Some drivers find that they are required by the state to carry an SR-22 filing. This can happen because of a DUI, car accident in which you're not insured or because of various other things. These are some of the steps that will help you abide by this requirement during the period that you must have an SR-22 filing.
Make Sure Your Insurance Company Offers SR-22 Filings
First, be aware that not all insurance companies offer SR-22 filings for their customers. Some companies will cancel coverage for customers who are required to have an SR-22 filing. You'll want to check with your insurance company to find out if this is a concern for you. If it is, shop around for a company that offers SR-22 filings. Some of these companies even cater to drivers who are in your situation and offer lower rates.
Let Your Insurance Company Know About Your Needs
Your insurance company will not automatically file your SR-22 filing for you. You will have to call and let someone know about this requirement. If you buy a new policy, you'll need to designate that you need an SR-22 filing when you sign up.
Avoid Letting Your Coverage Lapse
Since the whole point of having an SR-22 filing is so that you can prove that you have continuous car insurance coverage that is in line with the requirements of your state, you cannot let your car insurance lapse. If you do not make your payment and your insurance company cancels your coverage, then the insurance company will file a separate document with the state to let them know that you are no longer covered by their insurance company.
If you change insurance companies, make sure that you do so before your policy ends with the previous insurer, and make sure that the SR-22 filing is filed promptly to avoid any issues. Additionally, make sure that you do not miss a payment with your insurance company. Setting up a reminder on your smartphone, writing the due date down on your calendar or just signing up for auto-pay so that your insurance premiums will be paid without you having to take an extra step are all ideas that can help you prevent this lapse. Not only is this good for preventing problems with your SR-22 filing and the state, but it also helps you make sure that you maintain the coverage that will protect you as a driver.
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