Going to court is a scary experience for some individuals. A judge can sentence defendants to complete a variety of tasks within a certain timeframe. These things are usually tracked or monitored by probation officers. Some defendants who have criminal traffic violations such as DWI might get court-ordered to get SR22 insurance coverage. Individuals who have never heard of this special type of insurance might be puzzled about why they need it and how to get it. The following points provide valuable insight into SR22 insurance. 

Typical Reasons for the Order 

Judges can include this order when they sentence defendants who have exhibited signs of being high-risk drivers. There are multiple driving scenarios that can result in a driver's risk being considered high. Some drivers may repeatedly drive while their licenses are revoked. There are states that consider these individuals as being high and aggravated. Even if their driving record does not have felonious activities, their choice to not abide by the law can be used as a factor in the SR22 requirement. 

Expected Cost

The cost of the SR22 insurance coverage will vary. Individuals who have to get this insurance need to understand that it is not an auto insurance policy. The driver will need to ensure that auto insurance is valid on vehicles they drive and have proof of the SR22 policy as well. Some defendants have to get SR22 insurance services if they allow their insurance to lapse multiple times. The cost will be affected by the length of time that the special policy is needed and the provider chosen. One important thing to keep in mind is that this is an "add-on" insurance product, which means that its cost will likely be lower than the main auto insurance policy. The driving record, type of vehicle, and other factors can affect auto insurance premiums.

Getting the Policy

A judge might order a defendant to bring in proof of the coverage to the court within a certain amount of time. Drivers can get SR22 insurance coverage even if they do not have a vehicle. They can get a non-policy auto insurance policy and add the SR22. When the policies are acquired, the insurance provider will send the appropriate documentation to licensing officials. This process makes it legal for the driver to operate a vehicle as long as their license is valid. If there are active suspensions or revocations, the policies can still be purchased to be compliant with the court order. An auto insurance agent is a good resource to use to learn more about acquiring a policy.