First Time Driver? How To Avoid An SR-22 Filing

Insurance Blog

Getting your driver's license for the first time is one of the most memorable experiences in life. Just knowing that you finally have the freedom to go where you want to go without having to consult with a friend for a ride or hash out public transportation schedules is freeing within itself. However, getting behind the wheel is not without a slew of risks and one of these involves being told that you must file an SR-22. An SR-22 is essentially a certificate of financial responsibility that certain drivers must file in order to lawfully operate a motor vehicle. Although the SR-22 filing itself typically won't cost very much it is the results of the certificate that you want to stay away from. Follow the advice below and you should be able to remain off of the dreaded SR-22 requirement list.

Never Let Your Insurance Lapse

When some people think about getting into an accident they envision the bodily injury that could come out of such an event. Colliding with another car can leave you with life-altering injuries that you can't quickly recover from. 

While physical injury is most definitely something that nobody wants to deal with, it is also very important for you to consider how an accident could hit your pockets. Car insurance gives you a huge cushion and if you get a sufficient amount of coverage you should be financially protected against the threat of losing everything if an accident is your fault. The only way to make sure you always have that coverage is to keep your insurance policy current. Never let your insurance lapse for any reason. If a month comes along and you find that you're unable to pay for the insurance premium, park your car and leave it there until you can come up with the money to pay for the protection!

Avoid Driving While Inebriated

No matter how good you think you are at holding your alcohol, it is always best to avoid driving after you have been drinking. You just never know what can happen and if you hit someone while drunk and fail a sobriety test there is a very strong chance that you will end up requiring an SR-22 filing before you can legally drive again.

Don't risk doing something which will jeopardize your ability to operate a car. Start out making smart choices and you should be able to keep an SR-22 out of your experience.


29 January 2019

Health Insurance Haze: Clarifying The Policy Information

When I lost my job, I also lost my health insurance. I've never had to buy health insurance on my own before, so when I went to my insurance agent, I had no idea where to start. The coverage options, deductibles, co-pays, and premiums were confusing. I wasn't sure how to make sense of all of the tiers and doctor's networks. I created this site to help others who've never purchased health insurance before. The posts here are full of resources for insurance coverage, and I hope that it will help you to find the policy that's right for you.