(upbeat music)
Most people drive safely.
But there are other times when anyone might push their luck.
If you commit a serious driving offense like getting a DUI,
driving recklessly, or driving without insurance,
you're putting yourself and others in danger.
And sometimes this will affect your auto insurance coverage.
If you break the law while driving,
get ready to face penalties.
One of those might be an an SR-22 certificate.
In some states, this is called an FR-44 penalty.
SR-22s are forms from your insurer that go to the state DMV.
It lets the authorities know you have active car insurance.
But an SR-22 is not insurance.
It just shows that you have coverage.
It's your responsibility to get a policy.
So if you get an SR-22, make sure you have insurance.
Going without can lead to more problems.
Many insurers view SR-22s as a sign
that you're a high-risk driver.
They may charge you more for your coverage.
Some of them might refuse to cover you at all.
That's why it's best not to get one in the first place.
SR-22 requirements vary from state to state.
So talk to your insurance agent for more guidelines.
Also, commit to being a safe driver.
Follow all of the rules of the road at all times.
More questions about SR-22 penalties?
Call one of our agents today.