If you're unsure about what SR22 insurance is or when you need it, you're not alone. Many people are unaware of this type of insurance, which can create some confusion when it's required. This blog post will discuss what SR22 insurance is, why you might need it, and how to obtain this type of insurance.
What Is SR22 Insurance?
Simply put, SR22 insurance is a type of car insurance that's required by law. This insurance is also known as a Certificate of Financial Responsibility. It's called SR22 because it's a form that must be filed with the state and is required for drivers who have been flagged as high-risk. This form is used to prove that a driver has insurance and demonstrates their financial responsibility.
Why Might You Need SR22 Insurance?
You'll need SR22 insurance if you've been convicted of a DUI or other serious traffic violation. You may also need it if you're involved in an accident while driving without insurance or a valid license. Drivers who are caught driving without insurance or with a suspended license are also required to have SR22 insurance.
How Do You Obtain SR22 Insurance?
To obtain SR22 insurance, you'll need to contact an insurance company that offers this type of insurance. Once you've found a company, you'll need to request a quote. The quote will depend on the severity of your traffic violation and may also be influenced by other factors like your driving record and age.
Once you've received a quote and purchased SR22 insurance, the insurance company will file an SR22 form with the state on your behalf. Keep in mind that your insurance company may charge you a fee for filing this form, as well as higher premiums due to your high-risk status.
How Long Do You Need SR22 Insurance?
The length of time you'll need SR22 insurance varies by state and the severity of your traffic violation. In most cases, you'll need to maintain SR22 insurance for up to three years. However, some states may require you to keep this type of insurance for longer periods.
If you've been convicted of a DUI, driving without insurance, or a serious traffic violation, you'll need SR22 insurance. SR22 insurance is a type of Certificate of Financial Responsibility that's required by law to prove that you're financially responsible and have insurance. To obtain SR22 insurance, you'll need to contact an insurance company that offers this type of insurance and request a quote. Keep in mind that you may be charged a fee for filing the SR22 form, and your premiums may be higher due to your high-risk status. It's important to maintain SR22 insurance for the length of time required by your state to avoid any further legal consequences.
For more information about SR22 insurance, reach out to a local company.