After a serious traffic violation, you could face a car insurance requirement you haven’t encountered before. Sometimes, you will face a loss of your driving privileges; to get them back, you might have to file for an SR-22 certificate with your auto insurer.
If you’re considered a high-risk driver, you have to have an SR-22 certificate on your auto policy if you want to keep your driving privileges. However, SR-22s don’t have to be a burden. With the help of the expert team at Lefebvre Insurance Agency, you’ll be able to integrate your SR-22 into your auto insurance with the least personal burden possible.
We proudly serve Providence, Pawtucket, and the surrounding areas. SR-22 recipients can trust us to always see to their coverage needs.
What Is an SR-22?
An SR-22 is a certificate of insurance issued by your auto insurer that proves to your state’s driving authority that you have active auto liability insurance. It is not an auto insurance policy.
Though state laws differ on what offenses might lead to an SR-22 penalty, you might have to file for a certificate if:
You need insurance but have been convicted of a DUI or DWI
You have been at fault in an accident
You have been caught driving without auto insurance
You have been caught driving without a license (or with a suspended license)
You have been cited for reckless driving
You have committed too many traffic violations over a short time period
The SR-22 acts as instant verification for the state that high-risk drivers always have auto insurance in place. If the auto policy the form is attached to ever lapses or expires, the state will know at once because your SR-22 will also be invalid. They might then impose further penalties on you because of your failure to carry coverage.
The good news is that an SR-22 is not permanent. Usually, it only lasts for two to three years, at which point you can let the certificate expire without further penalty. However, you cannot let your auto policy expire at the same time. It’s imperative that you keep active coverage regardless of whether you have an SR-22.
The policy advocates at Lefebvre Insurance Agency understand that it might feel like a challenge to get the SR-22-compliant auto policy that is best for you. But we’re here to help. We offer owner and non-owner SR-22 benefits from top-rated, trusted carrier partners. We’ll make the processes of filing for and keeping your certificate easy.