THURSDAY, FEBRUARY 18, 2021
 We all make mistakes behind the wheel from time to time. Still, if you get caught, then you must face the consequences, and one of those might be the requirement to get an SR-22 certificate. An SR-22 is used as a mechanism to force high-risk drivers to carry car insurance, and for as long as you have the penalty on your record, you must maintain coverage.
Not only that, but you must also work as hard as you can not to be a re-offender both during your time with an SR-22 and after it ends. What can you to be a responsible SR-22 recipient, and minimize the harm that this incident might cause you.
Avoiding Further Offenses After SR-22s
When you receive an SR-22, you must obtain a certificate from your insurance agent that verifies that you have active coverage. The form is then filed with your state’s DMV.
After the SR-22 is activated, it will remain attached to the policy for about 2 - 3 years, depending on the instructions attached to your driving charge. While you can return to the road at this time, if you commit further driving offenses, you can expect more severe penalties because you are now classified as a habitual high-risk driver.
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In many cases, you might have to start your SR-22 period over again from the beginning.
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Further offenses might lead to the suspension of your driving privileges.
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Insurance companies might significantly raise your premium going forward. You don’t want to face yet another penalty and the risk of even higher premiums.
To be a responsible driver, you must avoid making future mistakes behind the wheel. First, the point of the SR-22 is to make you carry car insurance. So, make sure you always keep your policy active.
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Pay your premiums on time. If you qualify for automatic payments, take advantage of them.
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If you want to pay your premium in-full at signing, that will ensure your policy remains active for its entire term.
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Sign up to auto-renew your policy. Many insurers offer this option to SR-22 recipients.
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If you move, buy a new car or need to make changes to your policy, immediately notify your agent. They will need to update your policy.
Second, don’t forget to take practical steps to keep yourself safe while driving. For instance, take a safe-driving course. It can help you reacquaint yourself with practices that can help you avoid mistakes. Passing the course might also qualify you for an insurance discount, too.
Finally, don’t forget the basics of driving. Pay attention, watch your speed, and share the road. If you avoid further penalties, then you can likely wipe the SR-22 off your record and get on with your life. With just a little proactive planning, you will make yourself a safer driver.
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