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officer writing traffic ticketIf you’re notified that you must file for an SR-22 status, it most likely means that you’ve broken the law or endangered the public in some way. SR-22 auto insurance serves as proof that you are insured and enters you into a database so the police can monitor your driving activity. So what exactly does it take to result in you being slapped with a notice to file for SR-22 status?
  • Driving with no license or a suspended license
  • DUI or DWI conviction
  • Getting caught driving without insurance
  • A lapse in auto insurance exceeding 30 days
  • Excessive points recorded on your driver’s license
  • An order to appear in court resulting from a traffic violation

Because this coverage is only given to offenders who are deemed to be high-risk, the premiums are often substantially higher than those of ordinary auto insurance. In fact, you can expect your premium to double, or even triple, during your SR-22 period. You may be thinking that you can simply ignore that notice, but that is not the case. Once notified, you will not be allowed to drive (that is, your driver’s license will remain suspended) until the DMV receives the paperwork for your SR-22 policy from your insurer.

Once you’ve resigned to the fact that your actions led to the extreme expense of SR-22 insurance, you may be wondering how long that policy must remain in effect. It’s different for each person and your state will inform you of your unique timeframe, but you can expect it to last for up to three years. During that time, you must retain coverage in order to prevent your license from being suspended again. After dutifully fulfilling the time assigned to you, your SR-22 status will be removed and you may qualify for lower insurance premiums again.

Learn more about this process and how it pertains to you. Call AccuRate Insurance Agency at (314) 429-4430 for more information on St. Louis SR-22 insurance.
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