If you have become a high-risk driver lately because you were convicted of several traffic violations or got a DUI, you may be asked to get SR22 car insurance. Unfortunately, this isn't a common form of coverage for all, so you likely don't know much about it.
Taking time to familiarize yourself with the basic details will make the process easier. This post will answer common SR22 insurance questions to ensure you make an informed decision.
What is SR22 Insurance?
Unlike what most people believe, SR22 isn't a form of insurance. It is a certificate of financial responsibility that's given to drivers who are considered high risk. When you get the certificate, it will prove that you have bought the minimum auto liability coverage required in your state. This form is filed by the insurance provider and sent to the DMV in your state. Note that you must get the minimum liability insurance amount that can cover property damage and injuries from any accidents you may cause.
Who Should Get SR22 Car Insurance?
Your state's department of motor vehicles is obligated to inform you if you need an SR22 form. Generally, they will do this if you fall in the following categories:
- You have received several driving tickets within a short period
- You were the at-fault party in an accident and didn't have insurance coverage while driving
- You have been charged with driving under the influence or driving when intoxicated
- You were caught driving after the revocation or suspension of your license
- You haven't paid child support as per court orders
Always remember that not all states may ask for SR22 insurance. Some ask for an FR44, a similar certificate requiring you to carry more coverage (not the minimum) for particular offenses.
Where Can You Get an SR22 Insurance Certificate?
Acquiring the SR22 certificate isn't difficult, but you will need to put in some effort and time. If you lack basic car insurance coverage, you will need to buy it first before you apply for SR22. The insurance provider may ask that you pay for the premiums for a certain period upfront.
If your license is suspended because of a specific violation or DUI, you will have to pay more for the car insurance policy. Once you get the policy, getting the SR22 form will be easy, as the company will handle everything on your behalf.
Also, it's advisable to confirm whether your insurance provider offers SR22s and meets the minimum state requirements before you sign any documents. If they don't, you will need to choose another insurer.
Contact an auto insurance provider to learn more.