The SR-22 is simply the technical name of a certificate of insurance or document of responsibility that is required of individuals who do not qualify for regular automobile insurance policies
It is most relevant in cases of when an individual is convicted in a car accident liability case with an uninsured car or after a conviction on a DUI (driving under the influence) change. In these cases, insurance companies deem them a greater risk than individuals without those marks on their record. Therefore, to compensate for the greater risk they might possibly need to underwrite when they insure you, insurance companies typically require a cash deposit or some other form of security as proof of financial responsibility. This acts as a deterrent against sustained irresponsible behavior with a vehicle.
An SR22 insurance in Springfield VA is required when an individual files an SR22 in place of a cash deposit or other security. The SR22 is used to effectively monitor these high risk motorists. If they repeat their offences, an SR26 is issued by the insurance companies that effectively terminate coverage over their vehicle, making them personally responsible under the fullest extent of the law with respect to any damage or hurt they might cause while driving their vehicle.
The SR22 also ensures that the insurance policy covers the minimum prescribed coverages on the third party for the particular states that the companies operate in. many insurance vendors offer services to obtain cheap SR22 insurance in Springfield VA. This ensures that many individuals who would otherwise be denied coverage by other companies are now able to insure their vehicles with the approval of the State Department and drive around in them with the full legal protections afforded to them under the constitution.
Getting a cheap SR22 insurance in Springfield VA however is a stop gap
measure at best. An SR22 is no substitute for making positive changes in your lives. Although the relative easy and quick availability of SR22 insurance in Springfield VA might make it appear otherwise, it remains a sorry fact that you need the SR22 in the first place because you have been irresponsible with a motor vehicle in your control in the past. That behavior endangers not only yourself but also fellow citizens through no fault of their own. Such behavior can even cause loss of life or limb; a motor vehicle is so much more than just a means of transport. It has the capacity to cause immense harm as well.
Therefore, just because you can avail of an SR22 insurance does not mean that you get the moral pass on remorse or self-improvement. You must identify the faults in yourself and correct them to the earliest. If you have been convicted of a DUI and you know you were guilty, you owe it to yourself to not get behind the wheels of a vehicle unless you are sure that you are not endangering anybody’s life. You have been given a chance at making a change within you and you should grab that opportunity with both hands. Better yourself and be a responsible citizen of the country and the society. Your fellow men count on it.