If you’ve had an SR-22 penalty, it will likely end after a period of time. Still, the penalty will remain a reminder of something that comes along with severe driving violations. What do you have to do to put it behind you?
You don’t have to let an SR-22 burden you forever. Most penalties are not meant to do that, anyway. However, you should take steps to finally put the matter to rest once and for all.
The Lingering Effects of SR-22s
After you commit a serious driving offense, like DUI, you might have to attach an SR-22 file to your car insurance. The form serves as proof for your state DMV that you have active coverage. It will stay on your policy probably for a couple of years.
The SR-22 will show to your insurer and the local authorities that you are a high-risk driver. You’ll likely face financial penalties, notably higher insurance costs, for the duration of the form’s term. Therefore, you want to wipe the SR-22 from your policy in adequate time.
Covering Your Bases After an SR-22
In most cases, an SR-22 form will automatically drop of your insurance policy after the term ends. Yet, it’s up to you to guarantee you are free of all penalties. Don't let penalties linger unnecessarily.
- Review your driving record. Verify that you have met all penalties you might have received for infractions. Make sure you’ve paid all tickets, fines and penalties. Check these items regardless of whether they were the trigger for the penalty.
- Ensure that your driver’s license and vehicle registration remain active.
- Verify with your agent that the SR-22 is no longer attached to your car insurance policy.
- At the same time, ask your insurance agent whether you can now qualify for lower insurance rates. The SR-22 policy probably drove your premiums up. Now that it’s gone, however, your rates may revert. Keep in mind, you might still face a probationary period from your insurer. Rates might not drop overnight.
Most importantly, focus on becoming a safer driver. Do everything you can not to re-offend in any capacity. Even consider enrolling in a safe driving course to help you brush up on your skills behind the wheel. These courses often prove critical to your overall safety on the road. They also might qualify you for lower insurance rates through a discount.
With appropriate care, you can reduce your insurance burdens after an SR-22 ends. Talk to one of our Santa Ana auto insurance agents today about wrapping up any penalty with ease.