What to Do to Avoid Being Required to Carry SR-22 Insurance

two cars crashedIf you’re required to carry SR-22 insurance, which isn’t technically insurance coverage, it means the Department of Motor Vehicles or DMV considers you a high-risk driver. If you don’t want the hassle of the SR-22 requirement hanging over your head, there are some things you could do.

Do Have the Right Auto Insurance Coverage

Aside from having proper coverage, ensure that your liability insurance is always updated. If, for instance, you get pulled over or get involved in an accident, and can’t provide proof of your liability insurance, you would be required to get an SR-22, warns an SR-22 insurance provider in Chicago.

Don’t Accumulate Points on Your Record

You acquire points on your record for driving violations, and once your accumulated points exceed your state’s points limit, you would need to carry an SR-22. So always follow the road rules and drive safely.

Don’t Drive while under the Influence of Drugs or Alcohol

If an officer pulls you over under suspicion of driving under the influence of alcohol or drugs, makes you undergo a test and you failed the test, you’d be required to carry SR-22 insurance. It’s likewise crucial to note that if you’re under the legal drinking age, the BAC or blood alcohol content limit is lower than normal so think twice before drinking or doing drugs and driving.

Don’t Get Your Driver’s License Suspended

Plenty of things could lead to your license being suspended. Most are due to driving violations, but you could also get your driver’s license suspended for not paying court fees, not attending court hearings, and not paying child support. These then require the SR-22.

Avoiding the requirement to carry SR-22 insurance is the best way to keep your insurance premiums in check, as having an SR-22 would raise your premiums. So keep the tips in mind and always follow the rules of the road when driving.