Facts about SR-22

First of all, let’s talk about what an SR-22 is and isn’t. An SR-22 is a guarantee issued by a car insurance company that you will be able to meet the minimum insurance requirements for operating a vehicle for a specified period of time (typically 3 to 5 years depending on the violation). If you are violation-free for that prescribed period, you will not be required to obtain another SR-22 but can get regular car insurance. If you get any violations in that period, your SR-22 requirement will probably be extended.

An Sr-22 is sometimes called a certificate of financial responsibility. It is not, though, an insurance policy as we know it. For one thing, there is no ID card that typically comes with insurance coverage. For another thing, it is way more expensive and difficult to obtain than standard car insurance. However, because it has to be issued by a car insurance company which guarantees coverage in case of accidents, to all intents and purposes it is an insurance policy.

An SR-22 is usually required to lift the suspension of a driver’s license because of serious and/or numerous traffic violations. The more common reasons for needing an SR-22 include:

  • DUI conviction
  • Driving without insurance coverage
  • Responsible for a serious car accident
  • Too many violation points on the driving record

Applying for one requires the following steps:

  1. Inform your insurer your license has been suspended
  2. Get a risk rating reassessment.
  3. Choose the type of insurance coverage you will buy as long as it is compliance with minimum state requirements.
  4. Pay the premium and send the SR-22 to the local Department of Motor Vehicles.

Not all states require SR-22. If you are required an SR-22 in order to operate a vehicle legally in your state, it means that you’re a high-risk driver. You will need to apply for it through your car insurer and because you are high-risk, your insurer may not want to accommodate you. You will probably need to find another provider that specializes in SR-22. You can obtain more information about an SR-22 by asking a car accident lawyer.

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Legal Concerns for Business Owners

Business owners often have a lot on their plate because they deal with multiple people of all shapes and sizes. Depending on the business, they could be dealing with investors in the morning, solving an employee dispute at lunch, overseeing construction workers in the afternoon. Sometimes, things can get a little hairy when one legal concern overlaps into another area because in many cases these are already complicated in themselves without combining them into one explosive package.

For example, say a business owner in Dallas is having extensive renovations done on the commercial property, including electrical rewiring. Say that the rewiring was done incorrectly, and caused a fire, injuring several employees. Right there the business owner may have a case against the contractor for negligence, a claim with the insurance company for fire damage, and be named in personal injury lawsuits by the affected employees.

As pointed out in the website of Gagnon, Peacock & Vereeke, P.C., commercial real estate litigation involving construction defects is inherently a complicated undertaking, requiring the expertise of a lawyer in Dallas who is highly familiar with Texas real estate litigation laws. The insurance company is not likely to make it easier by meekly handing out payment for the claim without making a spirited attempt to challenge it, especially if the damage was considerable.

And then there are the personal injury claims. Technically, the business owner had no hand in doing the work, but because he or she was the one who engaged the contractor and there is no privity between the contractor and the employee, a case can be made out against the employer for negligence. According to the website of The Melton Law Firm in Austin, there are many ways in which an employer can be found liable for injuries sustained by workers, especially if the workplace was not safe.

The lot of a business owner is not always enviable, but a lot of trouble can be circumvented if the legal concerns are left to lawyers. If you are a business owner with no desire to get entangled in legal problems, find lawyers to take care of it for you.

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