Sr22 Insurance WI: Everything You Need to Know

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For drivers who have been convicted of a DUI or other serious driving offense, obtaining SR22 insurance is often a requirement to regain their driver’s license. SR22 insurance isn’t a type of insurance policy, but rather a certification that shows the driver has met the state’s minimum insurance requirements. Many drivers in Wisconsin are required to carry SR22 insurance as proof that they have met the state’s minimum requirements for auto insurance. In this article, we’ll explore what SR22 insurance is, why you may need it, and how to get it in Wisconsin.

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What is SR22 Insurance?

SR22 insurance is a certification of financial responsibility that shows a driver has met the state’s minimum requirements for car insurance. The SR22 is not an insurance policy; it’s a document that the insurance company files with the state’s Department of Motor Vehicles (DMV) on behalf of the driver. The certification is typically required after a driver has been convicted of a DUI or other serious driving offense.

The SR22 certificate acts as proof of insurance coverage for the driver, and is typically required before their driver’s license can be reinstated. If the driver is caught driving without the SR22 certificate, they may face fines, jail time, or even more serious legal consequences.

Why Might You Need SR22 Insurance in Wisconsin?

There are several reasons why you may need to obtain an SR22 certificate in Wisconsin. These reasons include:

Reason
Description
DUI or DWI Conviction
If you have been convicted of a DUI or DWI, you are likely required to obtain SR22 insurance.
Driving Without Insurance
If you were caught driving without insurance, you may be required to obtain SR22 insurance before your driver’s license can be reinstated.
Reckless Driving
If you were convicted of reckless driving, you may need to obtain an SR22 certificate.
Multiple Traffic Violations
If you have accumulated too many traffic violations, you may be required to obtain SR22 insurance to have your license reinstated.

How Do You Obtain SR22 Insurance in Wisconsin?

If you need to obtain SR22 insurance in Wisconsin, you will need to follow these steps:

  1. Contact your current insurance company: Your current insurance company may be able to provide you with an SR22 certificate. If they don’t offer this service, they can likely refer you to a company that does.
  2. Purchase an insurance policy: You will need to purchase an auto insurance policy that meets Wisconsin’s minimum requirements for liability coverage.
  3. File the SR22 certificate: Your insurance company will file the SR22 certificate with the Wisconsin DMV on your behalf. You should receive a copy of the certificate for your records.

What Does SR22 Insurance Cover?

SR22 insurance covers the same types of incidents as a standard auto insurance policy. However, it may include higher liability limits and stricter terms and conditions. You should speak with your insurance provider to understand exactly what is covered under your policy.

How Long Do You Need to Maintain SR22 Insurance in Wisconsin?

The length of time that you are required to maintain SR22 insurance in Wisconsin will depend on the severity of your offense. Typically, drivers are required to maintain SR22 insurance for 3 years after their driving privileges have been reinstated. However, some drivers may be required to maintain SR22 insurance for up to 5 years.

FAQs

What If I Can’t Afford SR22 Insurance?

If you are unable to afford SR22 insurance, you may need to explore other options. One option is to reduce your coverage to the minimum required by law. Another option is to shop around for a policy with a lower premium. You may also be eligible for financial assistance through the Wisconsin Automobile Insurance Plan (WAIP).

Can I File for SR22 Insurance Online?

Yes, many insurance companies allow you to file for SR22 insurance online. However, it’s important to make sure that you are working with a reputable insurance company before submitting any personal information online.

What If I Move to Another State?

If you move to another state, you must continue to maintain your SR22 insurance in Wisconsin until your required time period has elapsed. Once that time period is up, you should speak with your insurance company about obtaining SR22 insurance in your new state of residence.

What Happens If I’m Caught Driving Without SR22 Insurance?

If you are caught driving without SR22 insurance in Wisconsin, you could face fines, jail time, or even more serious legal consequences. It’s important to maintain your SR22 insurance until your required time period has elapsed and your driver’s license has been fully reinstated.

Is SR22 Insurance Expensive?

SR22 insurance tends to be more expensive than standard auto insurance policies due to the increased level of risk associated with drivers who require SR22 certificates. However, rates can vary widely depending on the insurance provider and the driver’s individual circumstances.

In conclusion, drivers in Wisconsin who have been convicted of a DUI or other serious driving offense may be required to obtain SR22 insurance in order to have their driving privileges reinstated. SR22 insurance is a certification of financial responsibility that shows the driver has met the state’s minimum requirements for auto insurance. If you need to obtain SR22 insurance in Wisconsin, you should contact your current insurance company to explore your options, purchase an insurance policy that meets the state’s minimum requirements, and file the SR22 certificate with the Wisconsin DMV. Remember to maintain your SR22 insurance until your required time period has elapsed in order to avoid fines, jail time, or other legal consequences.

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