{"id":904,"date":"2022-12-20T19:01:23","date_gmt":"2022-12-20T19:01:23","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=904"},"modified":"2022-12-20T19:01:24","modified_gmt":"2022-12-20T19:01:24","slug":"4-ways-an-sr-22-can-make-your-life-difficult","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/general\/4-ways-an-sr-22-can-make-your-life-difficult\/","title":{"rendered":"4 Unexpected Ways an SR-22 Can Make Your Life Difficult\u00a0"},"content":{"rendered":"
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Finding out that you need <\/span>SR-22 insurance<\/span><\/a> is never good. Most people already know that it means they\u2019ll need to pay higher premiums.<\/span>\u00a0<\/span><\/p>\n

But did you know that it can affect your life in other ways? Below are 4 unexpected ways this requirement can make your life difficult \u2014 and why it\u2019s a much better idea to <\/span>avoid getting an SR-22<\/span><\/a> in the first place.<\/span>\u00a0<\/span><\/p>\n

How Do You<\/span><\/b> Know If You Need SR-22 Insurance?<\/span><\/b>\u00a0<\/span><\/h2>\n

Each state that requires motorists to file this certificate for certain traffic and other violations sets its own policies about when you need to file one. If you need it, you\u2019ll receive a letter from your state DMV. Your letter should also tell you how long you need it and how to get back your license if it was suspended.<\/span>\u00a0<\/span><\/p>\n

DUI convictions and getting caught driving without insurance are the most common reasons your DMV requires you to have this certificate on file. However, there are other reasons <\/span>why you might need to file an SR-22<\/span><\/a>, some of which have nothing to do with your driving record at all. For example, some states require those who are behind on their child support to file.<\/span>\u00a0<\/span><\/p>\n

How It May<\/span><\/b> Affect Your Life<\/span><\/b>\u00a0<\/span><\/h2>\n

Your premiums may double or even triple with this requirement since you are now considered a high-risk investment to insurance companies. For most, you\u2019ve received this designation due to some egregious driving behavior which makes insurers wary of betting on you. If they do, you\u2019ll be paying them for the privilege, Aside from higher premiums, however, there are other ways this requirement can impact your life.<\/span>\u00a0<\/span><\/p>\n

1. You May<\/span><\/b> Need to Get New Car Insurance<\/span><\/b>\u00a0<\/span><\/h2>\n

While any insurance company can file in theory, not every company is willing to cover high-risk drivers that need this type of insurance. And even if they do, they may charge way more than you should be paying (that\u2019s why it\u2019s important to <\/span>shop around for SR-22 insurance<\/span><\/a>).<\/span>\u00a0<\/span><\/p>\n

When you\u2019re notified by your state DMV that you need to file a certificate of financial responsibility, contact your insurance company as soon as possible. Tell them about your situation so that you can get coverage quickly. Remember that only a car insurance company can file on your behalf, so there\u2019s no point in hiding it.<\/span>\u00a0<\/span><\/p>\n

After you accept the new premium set by your current insurance company for coverage, you\u2019re now considered to be a high-risk driver. The best way to find affordable DUI insurance is to <\/span>choose a carrier<\/span><\/a> that specializes in working with high-risk drivers to provide the best coverage and customer service \u2014 not to mention the best prices.<\/span>\u00a0<\/span><\/p>\n

2. You Can\u2019t<\/span><\/b> Drive Just Any Car<\/span><\/b>\u00a0<\/span><\/h2>\n

Unlike conventional liability car insurance, this type of insurance doesn\u2019t necessarily cover you everywhere. Different types of certificates apply in different situations:<\/span>\u00a0<\/span><\/p>\n