When it comes to making sure that your home and family are safe and sound, few things are as important as choosing the right insurance plan. About six months ago, my home burned to the ground, and without the right insurance plan, we would have been toast financially. Fortunately, because we had prepared properly, we didn't have any problems when it came to making sure that we could rebuild our place. This website is here to help anyone who might be struggling with which insurance policy to choose. Check out this blog for great information on finding the perfect policy.
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Getting involved in a car accident without your state's mandated minimum insurance coverage can have legal consequences, but it can also make it more difficult for you to get insurance for your vehicle after the accident. If you are involved in an accident and you don't have car insurance, here are three things you should know about obtaining insurance for your vehicle.
Traditional Car
Your prior driving and insurance history are used to determine your insurance rates and whether or not you are eligible for traditional insurance coverage. Gaps in your car insurance history can be a red flag that you are a high-risk driver, and a car accident without insurance can make you an even bigger risk for an insurance company. You may find that you have a difficult time finding coverage from traditional companies, and if you do qualify for coverage, you may pay higher-than-normal rates as a result of your driving history.
You May Need To File An SR22 Certificate
An SR22 certificate is typically required if you are involved in an accident and you don't have insurance, if you are convicted of a DUI or if you have other serious driving infractions on your driving record. The certificate is filed with the DMV to show that you do in fact have insurance coverage. If you let the certificate lapse, your car insurance company is required to send a notice to the state stating that you are no longer in compliance with state insurance requirements. Failure to comply could result in fees or legal ramifications.
You Might Have To Maintain An SR22 Certificate For Several Years
Depending on your situation and the state you live in, you may need to carry an SR22 certificate for three or more years. If you move to certain states that do not allow drivers to file SR22 certificates, you'll need to file an appeal in your home state. You'll still be under the order for the SR22 even if you move to one of these states, such as New York or North Carolina, and allowing the certificate to laps can still impact your legal standing in your home state. If you have questions about compliance with the law after moving to a state that doesn't offer SR22 certificates, talk to your insurance carrier or lawyer to make sure you are not violating any laws or regulations.
The best practice is to always drive with car insurance, but if you are involved in a car accident after allowing your insurance to lapse, you'll need to keep these three points in mind as you prepare to get back behind the wheel. To learn more, speak with a business like Illinois Automobile Insurance.
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