Some people must file SR-22 insurance. If you find yourself in this situation, you might have questions. Here are some of the most frequently asked questions about SR-22 insurance:
What is SR-22 insurance?
While typical insurance cover's a driver's car, SR-22 insurance covers the driver themselves. These drivers are generally considered "high-risk."
Who requires SR-22 insurance?
SR-22 insurance is required by by the court. People who are required to get SR-22 insurance but don't may find that their license has been revoked.
Who will need SR-22 insurance?
The people who need SR-22 insurance are people who have been convicted of something more than a minor traffic offense. Some of the most common reasons a person might need SR-22 insurance include the following:
- at-fault accident that the driver couldn't pay for (no insurance)
- excessive amount of fines
- excessive amount of infractions in a short amount of time
- serious driving infractions
How do I get SR-22 insurance?
The process to get SR-22 insurance is quite simple; most major insurance companies offer the service. If you already have some sort of insurance, call that company to see if they can accommodate this need as well. If you aren't already with an insurance company, shop around and see who can get you the best deal. You shouldn't need more than identification and maybe a small fee to get started.
Keep in mind that your SR-22 filing can take days to process. If your license is already suspended due to needing SR-22 insurance, wait about three days before you start driving again. You don't want any additional problems with your license!
How much does SR-22 insurance cost?
The good news is that SR-22 insurance itself is relatively inexpensive. While the cost varies based on location and the company you go with, it can fit into most budgets. However, needing SR-22 insurance may raise the cost of your typical insurance. If you plan on continuing to insure your vehicle, be sure to get quotes that cover everything you need.
How long do I need to have SR-22 insurance?
This varies based on the location, the offense, and the judge. When you are told you need SR-22 insurance, you will be given an exact amount of time you must have it. Keep in mind that if there is a break-in service, you may have to start all over again. After you have SR-22 insurance for the required amount of time, you will get to cancel the coverage.