Post Tagged with: "Driving license"

You Need an SR22 to Earn Back Your Driving Privileges

Man driving a carIt’s easy to ignore the convenience that comes with having a driving license until you lose it. Major or repeated traffic violations can lead to the suspension of your license. Driving on a suspended license can make a bad situation worse and could have you facing some jail time.

If you rack up too many traffic violations, there’s a likelihood that you’ll get your license revoked or suspended. In such a case, having an SR22 insurance in Aurora, Chicago can help you earn back the driving privileges you once had.

What is SR22 Insurance?

Technically, this is not an insurance plan but rather a proof that you have valid insurance coverage. See, after a major traffic violation such as a DUI, at fault accident, or reckless driving, the state considers you a high-risk driver. Since high-risk drivers are at a great risk of causing accidents on the road, your insurance premiums are likely to be higher than normal.

The state needs written confirmation from your insurer that you are adequately insured before they can let you get back on the road. SR22 insurance is simply your insurer writing to the state authorities and notifying them of your coverage.

Does SR22 Carry Extra Costs?

Traffic infractions don’t paint you as the most careful driver, especially when you pose a grave danger to other road users. So, the state makes you jump through hoops before letting you back behind the wheel. You know, with the hopes that you’ve learned your lessons and will be a better driver.

Well, the insurance company will charge you a filing fee but the cost of the fee is quite negligible. What makes SR22 insurance expensive is your high-risk status. You’re likely to make more claims than the average driver and as such, insurance companies adjust your rates upwards as a precaution.

Other than keeping you safe, being careful on the road bears additional benefits that extend beyond your health and well-being.

August 5, 2018 at 1:00 amFinance