Do you need SR22 Insurance? Your insurance premiums may go up but you can still avoid paying more than you really have to. Comparing quotes is the only way to find affordable insurance with the coverage you need. Take control and make the insurance companies fight for your business.
The simple online form takes only a couple of minutes to fill and will allow you to discover which insurer has the best deal for you.
What is SR22 Insurance anyway?
SR22 Insurance, as it is commonly known, is in fact a simple document and not a type of auto insurance.
SR22 form must be filed by the insurance company to the Department of Motor Vehicles and its purpose is to shows proof of financial responsibility by a particular individual. As soon as the form is filed and accepted by the DMV, your license suspension will be lifted and you will be able to drive again legally.
Of course, such form is not required for everyone, but if a Court has instructed you to get SR22 Insurance, you will be in most cases considered a high risk driver.
Who needs SR22 Insurance?
There are a number of reasons why you may be required to file a SR22 Form and maintain minimum limits of liability insurance. Some of them are:
Driving without insurance
DUI or DWI, reckless driving, or any serious moving violation.
Repeat traffic offenses or getting too many tickets in a short period of time.
Suspended or revoked license
A less common reason is failure to pay child support.
In case you need auto insurance and no longer own a car, but you are required to have SR22 Insurance, you must obtain a non-owner SR-22 policy.
How long is SR22 required for?
The period during which you are obliged to have SR22 Form as part of your auto insurance is usually 3 years. You must carry continuous insurance during the specified period of time before your SR22 status is removed. The insurance company is required to notify the DMV, immediately, if you cancel your policy.
SR22 requirements are specific for each state, which means that what’s required in one state may not necessarily apply in another state. New Mexico, Kentucky, Delaware, Minnesota,Oklahoma and Pennsylvania do not require SR22s. It is important to note even if you already have SR22 Form and move to one of these states, you will still be required to meet the SR22 requirements of your previous state.
Are there any SR22 fees?
Yes, there are fees associated with SR22. They also differ from states to state, but you may be expected to pay as much as $250 penalty fees and $55 reinstatement fees.
In any case, your insurance premium will go up and that’s why it is even more important to compare SR22 insurance quotes and find the best deal for you. Getting quotes online is fast, free and secure.