Consequences Of Further Driving Offences When You Have SR22 Status

My name is Shane Donahue. A couple of years ago, I almost had a financial disaster. I had a car accident and I simply assumed that I was at fault. This would have left me responsible for paying for the repairs needed for my car, which I needed to go to work. What I didn't realize was that I was actually not at fault. The weather conditions and the actions I took while driving my vehicle lead to me not having to pay for the damages done to my vehicle. This caused me to make sure that I would never be uninformed about my insurance policy again and I have since devoted myself to a blog focused on insurance.

Consequences Of Further Driving Offences When You Have SR22 Status

Consequences Of Further Driving Offences When You Have SR22 Status

19 September 2022
 Categories:
Insurance, Blog


Filing for an SR22 car insurance certificate is one type of penalty you may have imposed on you for committing offenses while behind the wheel. The certificate is a way to force high-risk drivers, both car owners and non-owners, to carry car insurance that is in line with the state-imposed minimum coverage requirement for protecting themselves and others on the road.

Depending on the instructions attached to your charge, the SR22 car insurance policy may need to remain attached to your policy for a while, typically one to five years. During this time, the state will closely monitor your driving habits. During this time, ensure you are a responsible driver and don't let your coverage lapse. If not, you may find yourself facing more severe penalties, including the following:

1. Extension of Penalty Period

Committing further driving offenses while you have the SR22 car insurance certificate may mean starting the penalty period over again from scratch. Even if you were in the last year of your imposed SR22 period, you would have to start from the beginning and carry the certificate for another one to five years.

2. Suspension of Driving Privileges

The SR22 car insurance certificate is a driving penalty, but you can return to the road even with this penalty. You aren't allowed to drive as you please and must be intentional about maintaining good driving habits. Failing to do this and being found guilty of committing further driving offenses while you have the certificate could mean the state will suspend your driving privileges altogether. 

3. Higher Premiums

Activating an SR22 car insurance certificate for the first time will trigger your insurer to raise your premiums. Now throw in some more driving offenses while you have the certificate and you will be making matters worse as far as your high-risk driver profile goes. Based on this, your insurer may further increase your premiums, and auto insurance can get quite costly for you.

4. Policy Non-Renewal

In the face of further driving offenses, the insurer offering you the SR22 car insurance certificate may decide to drop you for being very high risk. The insurer will inform the DMV, and you will need to refile and obtain an SR22 from another insurer immediately. This will leave you with some shopping around to do as not all insurers provide SR22. 

For your own safety and that of others, you have the responsibility to keep your driving habits in check. As highlighted, when you have an SR22 car insurance, responsible driving becomes even more critical so you can avoid several penalties. For more information, contact a car insurance company near you.

About Me
Are You Really At Fault?

My name is Shane Donahue. A couple of years ago, I almost had a financial disaster. I had a car accident and I simply assumed that I was at fault. This would have left me responsible for paying for the repairs needed for my car, which I needed to go to work. What I didn't realize was that I was actually not at fault. The weather conditions and the actions I took while driving my vehicle lead to me not having to pay for the damages done to my vehicle. This caused me to make sure that I would never be uninformed about my insurance policy again and I have since devoted myself to a blog focused on insurance.

Search