Driving safely is about more than being careful behind the wheel. It also means that you have to have the proper qualifications to operate a vehicle.
Every state has rigorous licensing, registration and insurance requirements. Failing to get the correct qualifications may cause your state to label you as a high-risk driver. A high-risk classification may require an SR-22 certificate for your auto insurance. Drivers don’t want to get SR-22 files, as these may negatively impact the driver’s insurance coverage.
Why States Require SR-22s for Lack of Qualifications
If you don’t have the right qualifications, it may signal that you cannot drive in a trustworthy manner. Less trustworthy drivers may pose higher operating risks. These risks may lead the state to require you to prove you have active auto insurance. A strong auto insurance policy might reduce risks that high-risk drivers pose on the road.
To prove that you have auto insurance, your state may require you to get an SR-22 certificate. These certificates come from your auto insurer, and verify that you have coverage. SR-22 certificates might remain on your driving record for a couple of years, depending on your state.
Avoiding SR-22s Is Always Best
If your state requires you to get an SR-22, this often signals to your auto insurer that you are a high-risk driver. As a result, it may discontinue your coverage or increase your policy prices.
States may impose SR-22 requirements for qualification violations like driving without insurance or failing to carry proper licensing. It is imperative that all drivers maintain their driving qualifications at all times.
- Have an active, un-expired driver’s license with you at all times. Update or renew your license on time. Make adjustments to your license information or classifications any time you experience a change in driving circumstances. Do not drive with a suspended or expired license.
- Carry up-to-date registration and plates on your vehicle. Each state requires registration renewal through different processes. Familiarize yourself with your states laws, and do not miss a renewal deadline.
- Always carry effective auto insurance. Driving without the proper insurance can frequently lead to SR-22 requirements. Most states require auto insurance coverage for most drivers. Make sure your policy meets all state requirements.
Before you hit the road, have the right qualifications to drive. It may help the authorities determine you are a safe driver.
Call Amigo Insurance Agency, Inc at 877-999-2644 today for help getting a fast, free Chicago auto insurance policy quote.