SR22 Insurance Tennessee
Perhaps you were never in the position of contracting the Tennessee SR22 insurance, but just imagine yourself in the next situation: you are driving around town in your new car. You feel happy and proud. The next day, you are going to the insurance company. But, right on your way home, you get stopped by the police and you get your driver’s license revoked.
Like in most American states, in Tennessee as well, you are required by law to have your motor vehicle insured. You cannot drive any sort of automobile if you do not have the minimum liability insurance coverage. If you drive without having any sort of insurance and you get caught, you will be required to apply for the SR22 insurance Tennessee. That is, if you want your driver’s license back, of course.
But keep in mind that this is not the only way to get stuck with this type of insurance. You can choose to apply for one if you were labeled a bad driver and your driver’s license was revoked. The reasons why you could be considered a bad driver vary from drunk driving and reckless driving to not paying a number of fines within the due period, etc.). This insurance is your ticket to getting your driver’s license back, no matter if you plan on repeating your mistake or you are honestly sorry and you are determined to avoid any further trouble.
The Tennessee SR22 insurance policy is, in reality, more of a document meant to prove that you can be held financially responsible in case of future problems. The policy can be acquired from any insurance company in the state, on the condition that it be accredited.
From your date of suspension, the SR22 insurance car Tennessee needs to cover a period from 3 to a maximum of 5 years, depending on the charge based on which your driver’s license was revoked or on whether you brought several offenses. You can call this policy the price you have to pay in order to restore your good name or rehabilitate your reputation as a driver
Due to the fact that this type of insurance is covers such a long time, you should always choose your insurer carefully, because even the smallest price difference or coverage stipulation can have repercussions on the long run.
There is, of course, a minimum liability insurance of $25.000 for the injury or death of one person, $15.000 for any damages to property and $50.000 for all the people involved in the accident.
Your insurance rate is influenced by several factors. For example, if you have a bad credit score, your insurance rate will be higher. The gender is important as well, as women pay less, given the fact that they are statistically less likely to cause an accident compared to men.
Men can obtain a lower insurance rate only if they are married, again due to some statistics according to which married men are more responsible, considering that they have a wife and kids to look after and go back home to.
To sum up, it is better to stay on the safe side and avoid breaking traffic rules, but, if you do not succeed, you mistakes can be paid by the SR22 insurance Tennessee. Just remember that there is no way out of this with a driving license, because, if you do not pay you rate, the insurance company is forced by law to report you to the Department of Motor Vehicles. Obviously, the consequence will be losing your driving license again. Given the stake, there is no doubt that the SR22 insurance car Tennessee law forces you to pay begins to sound more and more appealing.