It is a legal requirement in Indiana, as in other states, for drivers to have current car insurance in place. The failure to have insurance will result in serious consequences, including the suspension of your driving privileges. Many people drive without insurance, but they are taking a big risk. Not only could you lose your license, but if you cause an accident with injuries, you could end up on the hook for thousands or even millions of dollars. You may also encounter trouble getting insurance again in the future.
If you are stopped for a traffic offense, you must provide proof of insurance to the police officer. If you don’t have insurance, you are facing trouble. Proof of insurance is also known as proof of financial responsibility. In other words, you must show that you have the ability to pay for damages in the case of an accident that is your fault. You will be required to attend court, where the judge will suspend your license based on lack of insurance. The Indiana Bureau of Motor Vehicles keeps track of your driving privileges, including insurance compliance.
SR-22 is a form that is used to prove that you are responsible financially while driving. This type of insurance is designed specifically for those who previously had a lapse in insurance or have had their license suspended due to lack of insurance. SR-22 insurance is available through a variety of providers. It is important to note that this type of insurance is typically more expensive than standard insurance. This is because the company is taking on high-risk customers – those who failed to maintain insurance policies in the past.
It is possible to have your driving privileges reinstated after they have been suspended for lack of insurance. This must be done in court and it is quite helpful to have the assistance of a qualified attorney. You must electronically provide proof to the court that you have an SR-22 insurance policy. You will be required to keep this insurance in place for a period specified by the court. Typically you need to keep SR-22 for three or five years, depending on the circumstances. This form will be kept on file for the duration of the required time period. If the policy is canceled at any time, the insurance company is required by law to submit a cancellation form to the BMV.
Getting caught without car insurance can leave you in quite a predicament. You need your car to go to work and for other important reasons. If you drive again after you were already suspended for lack of insurance, you are almost certainly going to face serious problems if you are caught. Don’t risk it! You can get your license back and get through this difficult situation. You need aggressive, knowledgeable legal help from a law firm that understands your serious circumstances. Contact The Bellinger Law Office today to resolve your case.