What Advantages Does SR-22 Insurance Provide Motorists?

6 May 2022
 Categories: Insurance, Blog


Despite how crucial auto insurance is for motorists, various instances could render you uninsurable. Most commonly, motorists that have committed numerous traffic violations, such as speeding, not using their safety belt, or not signaling when turning, in a relatively short period of time could make them high-risk motorists. On the other hand, if you have been charged with driving under the influence and, as a result, have had your driver's license revoked, you automatically become uninsurable.  If you would like to keep driving under these circumstances, you would have to look into SR-22 insurance.

Contrary to popular belief, this is not an insurance policy. Instead, it is a document denoting an insurance company's financial responsibility without providing you with conventional coverage. Unlike traditional insurance, though, SR-22 is limited in its protection, so you could be wondering if it is worth going down this route. To help you understand why it could prove beneficial for you, here are a few of the advantages of SR-22 insurance for motorists.

SR-22 Insurance Ensures That You Are Not Violating the Law

If you are heavily reliant on your vehicle to get around, whether it is to carry out your job, run errands, and so on, being uninsured can deal a huge blow to your day-to-day life. For some motorists, this lack of auto insurance could prove to be detrimental to their lifestyle. As an example, tradespeople, such as plumbers, electricians, and more, need to pay on-site visits to their customers, and they cannot do this conveniently without their cars.

Depending on how dire the situation is, you could be contemplating getting on the road without insurance so that you do not compromise your earning capacity, but this would be a criminal offense. Rather than run the threat of getting arrested, it is best to apply for SR-22 insurance so that you can get back on the road without worrying about violating the law.

SR-22 Insurance Reestablishes Your Driving Privileges

Although the main aim of auto insurance is to protect you from financial responsibility in the event of any damage to your vehicle, injury to yourself, and injury to others during an accident, these providers are running a business. To do so successfully, auto insurance providers need to be risk-averse. The more tarnished your driving record is with instances of driving under the influence, traffic tickets, and accidents, the higher the risk you pose of making constant claims, thereby making you an undesirable customer.

Considering that it is illegal to drive without auto insurance coverage, you should look into SR-22 insurance if you want your driving privileges reestablished. Unlike traditional auto insurance coverage, your driving record does not influence the decision on whether you are eligible for SR-22 insurance or not, and, as such, you can get back on the road sooner rather than later.

For more information, contact an insurance company, such as Clover Insurance