It is a common practice in numerous states to force drivers with certain types of blemishes on their driving record to carry what is known as SR22 insurance. SR22s are for people that have had driving infractions such as; driving while under the influence of alcohol, driving while intoxicated, driving without insurance, or even negligent driving. These are not the only types of infractions that will force you to have SR22 insurance, but they are very common. Most people, usually, have no idea what to know about SR22 insurance, or what is at all. A few things to keep in mind about SR22 insurance are: what exactly is SR22 insurance, what sr22s cost, and how long do you need this type of coverage. All of these facts are great to know and to have handy to make your life easier in the long run.
SR22 insurance is minimum liability insurance required by the Department of Motor Vehicles in some states such as: Washington, Utah, or even Arizona. There are other states and the rules regarding them do vary from one state to the next. If you are forced to carry this type of insurance, then you must have it on you at all times when you are behind the wheel of a vehicle, including a motorcycle.
SR22s can be quite expensive depending on what the reason is that you are forced to carry it. The cost will vary from state to state, but it is very common that your minimum liability coverage is around twenty thousand dollars for the death or injury of one person and forty thousand for the death or injury of two people. This can go up from there, but twenty thousand is a pretty common base to start from. Usually the start for property damage is around fifteen thousand dollars.
The length of time for a person to be forced to carry this type of coverage will vary depending on the type of infraction and how many infractions there are. Typically it is about five years for the first DUI or DWI, ten years for the second, and 20 for the third. There are even lifetime enforcements for repeat offenders or people that do not carry it when they are already supposed to be. Each time you are caught without it, you will be forced to carry it for a longer period of time, or you could even lose your license for the rest of your life.
These are all good points of information on what to know about SR22 insurance. Each state will vary from the next one so it is important to research the exact laws for your area.