Sobriety testObtaining an SR-22 certificate is often necessary when, as a vehicle driver, the court requires you to do so in order to maintain your driver's license. Often times, this type of certificate is required if you have been charged with reckless driving, DUI, DWI or another type of at-fault incident, especially if it has resulted in financial loss for another person. You will learn if you need this policy from the department of motor vehicles or the court system if you are facing legal consequences to the incident.

SR-22 insurance is not actually insurance. Rather, it is a certificate sent to the court system from your auto insurance company stating that you have liability insurance in place that meets the state's minimum requirement. You should not operate your vehicle if you do not have this in place.

  • Contact your car insurance company and find out if they will issue an SR-22 certificate for you. Generally, this will mean a higher cost, but most companies will issue the certificate for you as long as you are current on your insurance payments.

  • You can also obtain car insurance from another company that you have not worked with before. This can be a valuable move because some companies specialize in drivers who are high-risk and may offer more affordable SR-22 coverage.

Once you obtain the certificate, the insurance company will report it to the court system on your behalf. However, if you fail to make payment on your auto insurance or you allow it to lapse in any way, the auto insurance company will also have to report this to the court, which may result in you losing your driver’s license.

If you need to have SR-22 insurance, do not wait to obtain it. The costs for the certificate will vary from one state to the next. Keep in mind that not all companies will provide this type of coverage. Your current auto insurance provider is not required to do so, which means you may have to switch providers. Take the time to ensure you have the right amount of coverage and the right car insurance company to get you back on the road again.

Get started today. Call Roe & Associates at (843) 740-1723 for more information on Charleston SR-22 auto insurance.

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