{"id":1439,"date":"2021-09-22T18:55:32","date_gmt":"2021-09-22T18:55:32","guid":{"rendered":"https:\/\/www.consumerschicago.com\/?p=1439"},"modified":"2021-09-22T18:55:32","modified_gmt":"2021-09-22T18:55:32","slug":"will-i-get-sr22-if-i-drive-without-insurance","status":"publish","type":"post","link":"https:\/\/www.consumerschicago.com\/?p=1439","title":{"rendered":"Will I Get SR22 If I Drive Without Insurance?"},"content":{"rendered":"
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      Will I Get SR22 If I Drive Without Insurance?<\/h3>
      \n\n
      \n\n<\/div>\n
      \nBy JD Glass\n

      \nEvery state with the exception of Vermont--who requires you to prove you can financially afford accident responsibility--requires every driver to have car insurance. If you don\u2019t, there are penalties--and the first might be an SR22 requirement. What is that, you ask?\n

      \nIt\u2019s a certificate the state requires of drivers who have some severe offenses on their driving record, and it\u2019s directly related to you actually having driver\u2019s insurance coverage--what it means, is that if you drive, you MUST have coverage AND the state needs to know that it\u2019s active.\n

      \nIn addition to your insurance company filing the form with the state (because that\u2019s who vouches for you - the insurance company), you may be provided with a paper certificate, or an electronic notation in your state file.\n

      \nIt\u2019s a simple fact that those who don\u2019t carry active car insurance put themselves and everyone else at risk. If you cause and accident and you don\u2019t have insurance, you might very likely lack the funds to repay anyone for their losses, including your own.\n

      \nThis is one of the larger reasons that driving uninsured could result you in being required to have an SR22 form.\n

      \n\t

      The only way to get that is via an auto insurance agency. \t<\/h1>\n

      \nIf driving uninsured is the reason you got the SR22 requirement, you\u2019ll have to restart your coverage, and you may find yourself with challenges with the insurance.\n

      \nBecause you\u2019ve willingly driven without insurance before, the company may think that you\u2019re likely to do it again, which means the insurers risk losing their investment in you. Because of this risk, they\u2019re also likely to charge you more.\n

      \nThere are some insurers who view SR22 drivers as too high of a risk to insure and they may even refuse to issue you a policy, making your search just that much more difficult.\n

      \nThere are insurers (like Consumers) who do cover SR22 drivers!\n

      \t

      The most important thing if you have SR22 is to keep your coverage active!\t<\/h1>\n

      \nThese are the things to look out for so you don\u2019t let it lapse:
      \nFailure to renew before your term expires
      \nFailure to let the insurer know if you\u2019ve received tickets, gotten into any accidents (or\neven got an SR22!)
      \nFailure to update the policy if you\u2019ve changed addresses, vehicles, or even added one.
      \nAnd the biggest one: failure to pay your premium.\n
      \nKeep on top of all of these to prevent a lapse in coverage. If your coverage does lapse, then you\u2019re likely to run into further issues, the very least of which being that your SR22 penalty time period will increase.

      \n\nYes, you will get reminders from the company about when to pay and when to renew, but don\u2019t just rely on that. Make sure you review, renew, and update when needed.\n

      \nTalk with your insurer about how to keep active and up to date with your policy. They can offer you options such as automatic payments--which deducts the premium from your account regularly, while automatic renewal will make sure you renew your coverage--provided you don\u2019t choose to switch policies.\n

      \nIf you make a change, such as a move, get a new car, or even receive further charges on your driving, call or email your agent and insurance right away--this way your policy can be updated and you can be sure to always have the protection you need.\n

      \nAnd speaking of moving, if you do in fact move to a state that doesn\u2019t require SR22s, the one you already have will remain active, and generally speaking you, need to maintain the coverage, as part of the requirement for getting a license in the state you\u2019ve moved to.\n

      \nSR22 coverage can take a few days and even up to a month to become active, so as soon as you get everything you need, make certain to contact your agent, so you can find out your next steps and get back on the road.\n

      \n
      \nwww.consumerschicago.com<\/a><\/div><\/div>
      \"\"<\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"

      Will I Get SR22 If I Drive Without Insurance? Will I Get SR22 If I Drive Without Insurance? By JD Glass Every state with the exception of Vermont–who requires you to prove you can financially afford accident responsibility–requires every driver to have car insurance. If you don\u2019t, there are penalties–and the first might be an…<\/p>\n","protected":false},"author":1,"featured_media":1313,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"footnotes":""},"categories":[1],"tags":[5,7,6,3,9],"class_list":["post-1439","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-uncategorized","tag-bundle","tag-car","tag-chicago","tag-insurance","tag-teen","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1439","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1439"}],"version-history":[{"count":11,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1439\/revisions"}],"predecessor-version":[{"id":1458,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1439\/revisions\/1458"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/media\/1313"}],"wp:attachment":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1439"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1439"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1439"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}