SR-22 Insurance: Frequently Asked Questions

Depending on where you live, if you are convicted of any one or many of several different types of traffic violations, you could require a specialized type of insurance coverage called SR-22 coverage. Obtaining SR-22 coverage can be confusing, and if you do not take the proper steps and are arrested without automobile insurance, you could face serious penalties.

Here are the answers to some frequently asked questions you might have about SR-22 coverage.

What Exactly Is SR-22 Coverage?

If you were convicted of a traffic offense and the court has deemed you a high-risk driver, you might need to file an SR-22 form with the court system. Here are a few of the most common reasons why you might need to file for SR-22 coverage:

• DUI
• DWI
• Being in an accident without proper insurance
• Driving without the proper insurance

In some states, if you have unpaid child support, you might receive a letter from the court stating you need to file for SR-22 coverage.

How Do You Obtain SR-22 Coverage?

Before you are able to legally drive on the road, your insurance provider must file paperwork on your behalf to receive SR-22 coverage. You will be required to pay the filing fee, which will vary by state. You cannot legally drive until the form is filed. You will receive a notification from your state motor vehicle department when the SR-22 is active, and you can drive legally again.

Can You Still Obtain Car Insurance With an SR-22?

Unfortunately, if you require SR-22 coverage, you may have trouble finding an insurance company that will provide you with any coverage. If you are able to find insurance, you will pay more than before even for liability insurance. Work with your insurance company to find a price you can afford.

Often, if you bundle the insurance with other types of insurance, such as homeowners insurance, or raise your deductible, your monthly premiums will be less.

How Long Are You Required to Carry SR-22 Insurance?

The length of time you will require SR-22 coverage depends on several factors. For example, the severity of the crime and the state in which you live will dictate how long you need to keep your SR-22 coverage. Contact your insurance provider when your SR-22 coverage is no longer required. Once you drop the SR-22 liability on your coverage, your insurance premiums may drop.

SR-22 is a specialized type of insurance that is required for a person who is deemed a high-risk driver.

Reach out to a professional to learn more about SR-22 insurance.