SR-22 insurance isn't actually insurance. It's really a certificate that proves you have a required type of insurance that you've been ordered to purchase. Not getting your SR-22 certificate can result in facing major repercussions from your state and the local court. Here is everything you need to know about SR-22 insurance.
Why Is It Necessary To Get SR-22 Insurance?
Drivers that have been convicted of a DUI may be told that they need SR-22 insurance in order to drive a car again. It may also be required for drivers that were in a really bad auto accident, or received a certain amount of points on their license. The SR-22 insurance is basically proof that the driver has the proper amount of insurance that is now required for them.
What Is The Process Of Getting SR-22 Insurance?
To get SR-22 insurance, start by checking with your automobile insurance provider. You'll need to fill out a form to apply for the insurance, and if they do accept it, you will receive the necessary certificate. Even though you won't have a valid driver's license at the time, insurance providers make exceptions for those that need SR-22 insurance.
The SR-22 insurance certificate must then be submitted to the state, which will reinstate your driver's license. You'll then need to contact your insurance provider to show proof of having a valid driver's license.
Make sure not to drive without a valid license at any time. Being caught doing so can cause you to face penalty for your actions.
What Is The Cost Of SR-22 Insurance?
The requirement to get SR-22 insurance will tell your insurance provider that you are a high risk. You can expect to pay more for insurance due to this, and your insurance policy will immediately increase as a result. The actual SR-22 insurance certificate cost is the least of your concerns. Expect to pay somewhere between $15 and $25 for the certificate.
It helps to shop around, because the biggest chance will be the cost of your actual insurance policy. Some insurance providers are more forgiving about needing SR-22 insurance than others, so it is worth getting several auto insurance quotes to compare them.
While SR-22 insurance may seem complicated and unnecessary, getting will help ensure that you can legally drive your car with the necessary protection in case you are in an accident again. Speak with your auto insurance agent for more detailed about getting SR-22 insurance.