Sr22 Insurance Online – All You Need to Know

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Have you ever received a DUI or had your driver’s license suspended or revoked? If so, you may need SR22 insurance. This type of insurance is required by law in some states to prove that you have coverage before you can get your license reinstated. In this article, we will discuss everything you need to know about SR22 insurance online.

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What is SR22 insurance?

SR22 insurance is not actually a type of insurance policy, but rather a certificate that proves to the state that you have the minimum amount of liability insurance coverage required by law. This certificate is filed with the state by your insurance provider on your behalf.

If you have had your license suspended or revoked, or if you have been convicted of certain types of traffic offenses such as a DUI or reckless driving, you may be required to carry SR22 insurance for a specified period of time before your license can be reinstated.

Why do I need SR22 insurance?

Each state has its own laws and regulations regarding when an SR22 certificate is required. Generally, SR22 insurance is required to prove that you have liability insurance coverage after a serious traffic offense. This helps ensure that drivers who have been convicted of these types of offenses are financially responsible and have adequate insurance coverage.

How do I get SR22 insurance?

You can get SR22 insurance online or through a local insurance agency. Not all insurance companies offer SR22 insurance, so it’s important to find an insurance provider that specializes in this type of insurance. The process of obtaining SR22 insurance online is similar to obtaining any other type of insurance policy. You will need to provide your personal information, such as your name, address, and driver’s license number, as well as information about your vehicle and driving history.

How much does SR22 insurance cost?

The cost of SR22 insurance varies depending on your state, your driving history, and the insurance company you choose. Typically, you can expect to pay a one-time filing fee of around $25 to $50, and then an additional fee of around $25 to $50 per month for the duration of your SR22 filing period. This period can range from one to five years, depending on your state’s laws.

Does my current insurance policy cover SR22?

Not all insurance policies cover SR22, so it’s important to check with your insurance provider before assuming that you have coverage. If your current insurance policy does not cover SR22, you will need to obtain a separate policy that does before your license can be reinstated.

FAQ

Question
Answer
What if I don’t have a car?
You can still get SR22 insurance even if you don’t own a car. You will need to obtain a non-owner SR22 policy, which provides liability coverage for vehicles that you do not own.
How long do I need to carry SR22 insurance?
The length of time that you need to carry SR22 insurance varies depending on your state’s laws and the severity of your offense. Typically, you will need to carry SR22 insurance for at least one year, and up to five years in some cases.
What happens if I let my SR22 insurance lapse?
If your SR22 insurance policy lapses, your insurance provider is required to notify the state. This could result in your license being suspended or revoked again, and you may also face legal consequences.
Does SR22 insurance cover damages to my own vehicle?
No, SR22 insurance only provides liability coverage for damages that you may cause to other people or their property. If you want coverage for damages to your own vehicle, you will need to purchase additional insurance.

The Bottom Line

If you have had your license suspended or revoked, or if you have been convicted of certain types of traffic offenses, you may need SR22 insurance to get your license reinstated. While the cost of SR22 insurance can be high, it’s important to remember that it’s a requirement by law in some states, and it’s better to have the coverage than to risk further legal consequences. By following the guidelines above, you can get the coverage you need quickly and easily.

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