Get SR22 Insurance

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SR22 insurance is a special type of car insurance that is required for drivers who have committed certain driving violations, such as driving under the influence (DUI) or driving without insurance. If you have been ordered by a court to obtain SR22 insurance, it is important to understand what it is, how it works, and how to get it.

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What is SR22 Insurance?

SR22 insurance is not actually an insurance policy, but rather a document that your insurance company files with the Department of Motor Vehicles (DMV) on your behalf. This document certifies to the DMV that you have the required insurance coverage to legally drive in your state.

SR22 insurance is generally required for drivers who have a suspended or revoked license, are caught driving without insurance, or have been convicted of certain driving offenses such as DUI or reckless driving.

While SR22 insurance is not required in every state, it is mandatory in most states for individuals who have been ordered by a court to obtain it. The specific requirements for SR22 insurance will vary depending on your location and specific driving situation.

How Does SR22 Insurance Work?

When you purchase an SR22 insurance policy, your insurance company will file the necessary paperwork with the DMV on your behalf. Once the DMV receives this document, you will be considered legally covered to drive in your state.

Typically, you will need to maintain your SR22 insurance coverage for a period of 1-3 years, depending on your specific circumstances. During this time, it is important to stay current on your insurance payments and maintain the required coverage limits.

If you allow your SR22 insurance coverage to lapse, your insurance company will notify the DMV, and your driver’s license may be suspended or revoked as a result. Additionally, if you are involved in an accident while driving without the required insurance coverage, you may be personally liable for any damages or injuries that occur.

How to Get SR22 Insurance

If you have been ordered to obtain SR22 insurance, the first step is to contact your current insurance provider or another licensed insurer in your state. Not all insurance companies offer SR22 insurance, so it is important to find one that does.

You will need to provide your insurance company with the necessary information, including your full name, driver’s license number, and the reason for requiring SR22 insurance. You will also need to purchase the required insurance coverage and pay any associated fees.

Once your insurance company has filed the necessary paperwork with the DMV, you will be able to legally drive in your state. It is important to keep your SR22 insurance policy current and maintained for the required period of time, as failure to do so can result in serious consequences.

FAQ about SR22 Insurance

Question
Answer
Do I need SR22 insurance?
If you have been ordered by a court to obtain SR22 insurance or have been caught driving without insurance, you will likely need to obtain SR22 insurance to legally drive in your state.
How much does SR22 insurance cost?
The cost of SR22 insurance will vary depending on your location, driving record, and insurance provider. It is typically more expensive than standard car insurance due to the added risk associated with your driving record.
How long do I need to maintain SR22 insurance?
The length of time you need to maintain SR22 insurance will depend on your specific circumstances and the requirements of your state. Typically, you will need to maintain coverage for 1-3 years.
Can I get SR22 insurance if I don’t own a car?
Yes, you can still obtain SR22 insurance even if you do not own a car. You can purchase a non-owner’s policy that provides the required coverage for driving other people’s vehicles.
What happens if I let my SR22 insurance lapse?
If you allow your SR22 insurance coverage to lapse, your insurance company will notify the DMV. Your driver’s license may be suspended or revoked as a result, and you may be required to start the process over from the beginning.

Overall, obtaining SR22 insurance may seem like a daunting task, but it is an important step in regaining your driving privileges and staying legally compliant. If you have been ordered to obtain SR22 insurance, it is important to act quickly and find a reputable insurance provider that can offer you the coverage you need at a reasonable cost.

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