SR-22 Insurance: What It Is and How It Works

Did you know that millions of people are driving without insurance? While it might seem easy to simply ignore your insurance and get away with it, there are always consequences.

Without insurance, you also run the risk of losing your license or having your driver’s license suspended. Instead of paying for insurance year after year though, you might be considering getting an SR-22.

But what is SR22 insurance and how can it help you avoid getting into trouble with the law?

Below, you’ll discover what SR-22 insurance is and how it works. Keep reading to learn more.

What Is SR-22 Insurance?

SR-22 insurance is a type of car insurance that is typically required for drivers who have been convicted of a DUI. SR-22 insurance is not a standalone policy, but rather an endorsement that must be added to an existing car insurance policy.

The SR-22 endorsement provides proof to the state that the driver has the minimum amount of insurance required by law.

SR-22 insurance typically costs more than regular car insurance, but the exact amount will vary depending on the insurance company and the driver’s driving record.

How Does SR-22 Insurance Work?

An SR-22 is an insurance filing that may be required by your state’s Department of Motor Vehicles (DMV) after a serious traffic violation, like a DUI. It is proof that you are carrying the state-mandated amount of liability car insurance. Your insurance company will file the SR-22 with the DMV on your behalf.

You will be notified by the court or DMV if you need to have an SR-22. Next step is to contact your insurance company to let them know that you need an SR-22 filing. Driving without SR-22 may face stiff penalties, including license suspension.

An SR-22 is not a type of insurance, it is simply a proof of insurance filing. You will still need to maintain your car insurance policy, even after the SR-22 is no longer required.

You may visit this page for SR-22 non-owner insurance information.

What Are the Benefits of SR-22 Insurance?

The benefits of SR-22 insurance include allowing high-risk drivers to maintain their driving privileges and continue to meet the state’s minimum insurance requirements.

The insurance company will file an SR-22 form with the DMV, which will reinstate your driver’s license. The SR-22 insurance will stay in effect for three years, and you will need to keep it in good standing during that time.

SR-22 insurance also provides financial protection in the event of an accident.

Talk to Your Insurance Agent

If you need to get SR-22 insurance, it’s important to understand how it works and what it covers. Make sure you understand the rules and requirements so that you can avoid any complications.

It is best to contact your insurance agent or company if you are required to get the SR-22 insurance. They will be able to help you get the coverage you need and file the necessary paperwork with the DMV.

For more informative articles, please be sure to check out the rest of our blog.

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