We all make mistakes, and SR-22 insurance is often a result of mistakes made while driving. Read on to learn what it is, why it is needed, and how to get it.
SR-22 Insurance Explained
An SR-22 is a statement of responsibility, or proof that a driver has auto insurance meeting their state’s minimum requirements. This is different from an insurance card, which only proves that a driver has current car insurance. An SR-22 must be filed with the DMV by a car insurance company on behalf of a driver for a specific period of time, usually three years.
Driving without insurance or without a license can warrant SR-22 insurance. A high number of violation points, including reckless driving, can bring about this requirement. A DUI (driving under the influence) or DWI (driving while intoxicated) conviction also prescribes an SR-22. A court order or DMV notice informs a driver of the need for an SR-22.
Shop Around For SR-22 Insurance
SR-22 drivers are labeled high-risk because they have broken the law, often multiple times. Car insurance companies have the right to deny coverage to a high risk driver. The driver’s current car insurance company may drop their coverage, and other companies might refuse to cover them.
According to the DMV, car insurance is divided into two different tiers, standard and high-risk. Certain companies offer one type exclusively, while other companies offer both types at different rates. Some providers offer special SR-22 insurance, which costs considerably more than standard insurance.
The first step in finding SR-22 insurance is to check with the driver’s current provider. If this company can’t or won’t offer the driver SR-22 insurance, check online. Getting quotes from multiple companies will ensure the best possible rate.
As a last resort, state-sponsored insurance for high-risk drivers is available to drivers who have been denied coverage by at least three companies. Through the state, a high-risk driver’s coverage is shared among participating providers. This state program can be accessed through most car insurance companies.
Finding SR-22 insurance requires immediate action. This is not the time to procrastinate.
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