You'll generally receive an SR-22 requirement from your state following a severe traffic violation or a substantial number of minor violations. You may also receive an SR-22 requirement if you're involved in an accident while uninsured. Whatever the case, an SR-22 isn't a specific type of insurance but a form that your insurance company must file with the state.

This form proves to the state that you are financially responsible for your vehicle by certifying that you meet minimum state coverage requirements. Many people worry that SR-22 coverage is more complicated than it is, but there's nothing else to it. However, there may be some additional restrictions or requirements involved. This guide will go over three potential complications you may encounter.

1. Limited Coverage Options

Most insurers automatically place SR-22 drivers into a high-risk pool. As a result, you can pay more (sometimes significantly more) for base coverage levels. Some larger insurance companies may refuse to provide an SR-22 altogether. If your current insurance provider doesn't work with SR-22 drivers or you can't afford the premiums, you may have to look elsewhere.

The good news is that there are insurance agents who work primarily with high-risk and SR-22 drivers. If you're finding that your traditional options for coverage are too limited or expensive, working with an independent agent can be a better option. This process can take a little longer, but it often means getting better coverage for a lower price.

2. Additional Court Requirements

Remember that an SR-22 is simply a form your insurance company provides to the state. There are no special requirements for this form other than holding the appropriate coverage. However, SR-22 requirements often come along with additional judgments. Many states may temporarily suspend your license until you meet certain requirements, including receiving SR-22 coverage.

However, you shouldn't rush out and start driving again just because you've found an SR-22 provider. Always make sure you understand your judgment fully. For example, it's not uncommon for license suspensions to include mandatory driving classes. Make sure you meet all of these requirements before driving again; getting pulled over could mean a more severe judgment.

3. Filing Errors

The state will not fully restore your driving privileges until your insurance company files your SR-22. The good news is that this process is typically electronic and relatively quick. However, insurance companies that rarely deal with SR-22 drivers may not be familiar with the process. In these cases, requesting the form and bringing it to the DMV yourself may be better.

Of course, the best option is to work with an insurance company or insurance agent familiar with SR-22 requirements. This approach ensures that your insurer will file your form quickly and reliably, minimizing the chance of errors and getting you back on the road much sooner.

Contact a company like Clover Insurance to learn more.