Understanding The Importance Of Motorcycle Insurance

5 Not-So-Negative Aspects Of An SR-22 Filing

by Raymond Gibson

Even though it might seem like it right now, being required to have an SR-22 filing is not the end of the world. These are five reasons why it's not as negative as you might think.

1. You Don't Necessarily Have to Change Insurance Companies 

You might have to change insurance companies if your insurance company does not offer SR-22 filings for its customers. This is not always necessary, though. SR-22 filings are nothing new or unusual, and many insurance companies offer them. If your insurance company does, you probably don't have to apply for a new policy. Instead, you can just add the SR-22 filing to your existing policy.

2. It's Not Always Prohibitively Expensive

You might be planning on pulling out your wallet and draining your bank account to pay for an SR-22 filing, but it's not as costly as many people expect. If the pricing with your insurance company seems prohibitively expensive, shop around to find a more affordable insurance company that offers these filings.

3. Filing is Actually Easy

Many people expect to have to go through a major ordeal when filing an SR-22. It's much easier than you might think. Your insurance company should do most of the work, and depending on the state that you live in, your insurance company might be able to electronically file the SR-22 in minutes after you let them know that you need it. It's a quick, easy, and painless process.

4. It Helps Keep You Responsible

If you've had issues with things like maintaining liability insurance coverage in the past, you might need a little bit of help. Having to file an SR-22 will help keep you responsible and focused on following the law in regards to maintaining liability insurance. Then, these lessons can help you continue to follow the law even after you aren't required to file an SR-22 anymore.

5. It Allows You to Enjoy Your Driving Privileges

If you're required to have an SR-22 filing, then there's a chance that you would lose your driving privileges if you did not get the filing through your insurance company. Instead of looking at this as a negative thing, consider that it's actually something that is making it possible for you to drive again, even if you thought that you weren't going to be allowed to drive for a while. This allows you to drive for work, pleasure and other reasons with minimal restrictions, and the filing requirement is sure to be over with before you know it.