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The Importance of Obtaining SR-22 Auto Insurance in PA for DWI/DUI Offenders

Pennsylvania, over the years, has experienced numerous accidents caused by drunken drivers. For this reason, Auto Insurance in PA has made its laws stricter in an effort to curb this vice. Usually the Auto Insurance in Pa covers accidents of theft of the vehicle. However, in the event a driver is involved in an accident where he or she is found to be intoxicated, the Pennsylvania Department of Transport will have the individual has license suspended immediately pending investigation. This suspension in the event of an accident caused by DUI has no restricted period. Your driver’s license can also be suspended for a number of other traffic violations. If your license has been suspended and you want to go on driving, your only option is to obtain an SR-22 Insurance cover.

PennsylvaniaAutoInsuranceThe SR-22 Insurance cover is proof of liability insurance cover for someone whose license has been suspended. It should be presented to traffic officers and a requirement of the Pennsylvania Department of Transportation. The SR-22 Insurance policy does not come cheap and some people take the risk and drive without it.

Statistics presented by the insurance research council stated that 13.8 percent of people in the States operate their motor vehicles without insurance. An SR-22 insurance cover is not only required in instances of DUIs. A traffic ticket due to lack of auto insurance could also make you have your driver’s license suspended resulting in you needing the SR-22 Insurance policy. In such a case, you will be required to take up the PA SR-22 Insurance cover for up to 3 years while in the case of a suspended license due to drunken driving you will require an SR-22 Insurance cover for up to 5 years. These are the maximum filing periods for the SR-22 Insurance cover but the period is dependent on the circumstances surrounding the arrest in the first place. During the SR-22 filing period, the insurance premiums are very high for the individual.

They however may come back down on expiry of the SR-22 filing period. This is if the said driver maintained a clean driving record all through the period of the SR-22. Any traffic offense that may be committed during this period that may result on the lapse of the insurance cover will result in an investigation by the Pennsylvania Department of Transportation (DOT). The DOT may recommend an extension of the suspension period of the license or any course of action they see fit. If the reason for lapse of the SR-22 has nothing to do with traffic infractions like maybe insufficient funds to pay premiums, the DOT may recommend that you sit out the suspension and abstain from driving. On successful completion of the SR-22 period, the respective insurance firm will issue an SR-26 form, which is supposed to certify expiry of the SR-22 Insurance cover.

To know more about the SR-22 Insurance covers in your area enter your Zip at the space provided at the top of this page.