Did you know that one person dies from drunk driving every forty-five minutes? This statistic helps show why the penalties are so harsh on risky drivers.
One of the penalties you’re likely to encounter is an SR-22 insurance requirement. But precisely what is SR-22 insurance? And how do you get it?
If you want to learn the answer to these questions, you’re in the right place. In this guide, we’ll teach you everything you need to know about this insurance add-on. Let’s get started!
What Is SR-22 Insurance?
It’s important to note that SR-22 isn’t actually a type of insurance. Rather, it’s a form that’s attached to your insurance policy. It proves to your state that your insurance meets the minimum liability coverage needed for at-risk drivers.
The specific amount of liability coverage you need will depend on where you live. Because SR-22 forms are associated with risky drivers, the insurance premiums that come with these policies are typically much higher than regular insurance.
This is because you’re more likely to get into an accident. So, to account for this, the insurance provider charges you more.
When Do You Need It?
SR-22 insurance is either ordered by the court or through your state. If it’s a court-ordered reason, then the judge will let you know.
If it’s state-ordered, then you will receive a letter in the mail. There are multiple reasons why you might need SR-22 insurance. Some common ones include:
- Driving without insurance
- Driving without a license
- DUI or DWI
- Too many accidents where you’re at-fault
- Repeat traffic violations in a short amount of time
- Failing to pay child support
- Getting your license suspended
As you can see, SR-22 insurance is typically associated with some form of high risk driver.
How to Get SR-22 Insurance
If your insurance provider offers SR-22, then getting this form on your policy is relatively simple. All you need to do is contact your provider and let them know you need it.
They’ll then add it to your current policy and file the necessary paperwork with your state’s DMV. Just keep in mind that your premiums will likely increase.
However, not all insurance providers offer SR-22 services. In this case, you will need to switch to a supplier that can help you.
The good news is that places like The Insurance Stops make it easy to get affordable SR-22 insurance. These types of providers are specifically geared toward car insurance for high risk drivers.
Appreciate Learning About SR-22 Insurance? Keep Exploring
We hope this guide helped you learn more about SR-22 insurance. We know that getting SR-22 insurance can be a pain. But, it’s an integral part of driving again after being deemed a risky driver.
So, if you want to get your license reinstated, you will need to bite the bullet.
Want more guides like this one? Our website has dozens of similar ones you can choose from, so keep reading to find them.
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