If you have received convictions for specific driving offenses, such as driving under the influence or driving without insurance, the authorities may require you to obtain SR-22 insurance. SR-22 insurance is not actually insurance itself, but rather a form that proves you carry the minimum amount of liability insurance required by your state. In this article, we’ll cover everything you need to know about SR-22 insurance requirements. Including what they are, who needs them, how to obtain them, and more.
What is SR-22 Insurance?
SR-22 insurance is a certificate of financial responsibility that proves you carry the minimum amount of liability insurance required by your state. It is required for drivers who have been convicted of certain driving offenses, such as driving under the influence or driving without insurance. The SR-22 is not actually insurance itself, but rather a form that your insurance company files with the state on your behalf to prove you have the required insurance coverage.
Who Needs SR-22 Insurance?
If you have been convicted of certain driving offenses, such as a DUI, reckless driving, or driving without insurance, you may be required to obtain SR-22 insurance. The specific offenses that require SR-22 insurance vary by state. It’s important to check with your state’s Department of motor vehicles to determine if you need an SR-22.
How to Obtain SR-22 Insurance?
To obtain SR-22 insurance, you need to contact an insurance company authorized to provide SR-22 filings. Not all insurance companies offer SR-22 filings, so it’s important to make sure you choose a company that does. Once you’ve selected an insurance company, you’ll need to purchase the minimum amount of liability insurance required by your state. Your insurance company will then file the SR-22 form with the state on your behalf.
How Long Do You Need SR-22 Insurance?
The length of time you will need SR-22 insurance varies by state and can range from one to five years. In most states, you will need to maintain SR-22 insurance for a minimum of three years. However, committing another offense during that time, such as driving without insurance or getting another DUI, can reset the clock and result in a longer period of required SR-22 insurance maintenance.
How Much Does SR-22 Insurance Cost?
The cost of SR-22 insurance varies by state and by the insurance company. However, in general, SR-22 insurance is more expensive than standard auto insurance. Insurance companies consider drivers who require SR-22 insurance as high-risk. Filing the SR-22 form with the state may incur associated fees.
Conclusion
For those required to obtain them, SR-22 insurance requirements can be a confusing and stressful process. However, it is important to remember that SR-22 insurance is a necessary step toward regaining your driving privileges and getting back on the road. It’s also important to shop around and compare prices from different insurance companies. Ensure you’re getting the best deal on your SR-22 insurance.
If you’re required to obtain SR-22 insurance, don’t delay in taking action. Contact an authorized insurance provider in your state and start the process of obtaining your SR-22 today. With a little bit of effort and patience, you can get back on the road and continue moving forward. For more driving-related queries visit ride license.