Getting informed that you will be required to file an SR-22 is typically the first step to reinstating your driving privileges. SR-22s are financial responsibility certificates filed with your state that prove you have the minimum auto liability insurance coverage required by law. A court or your state’s traffic authority will notify you that you need an SR-22 on file before reinstating your driver’s license. A suspension of your license requiring an SR-22 can occur for numerous reasons, including:
OfficialCarInsurance.com understands that when you receive a letter from a court or state Motor Vehicle Department telling you to get an SR-22, you will have questions as you navigate the process. So we put this brief guide together to answer some of the most common questions we receive about SR-22s.
Help get you back on the road as quickly and cost-effectively as possible.
Getting through the process of getting your license back after a suspension can be stressful. Fortunately, once you find a qualified insurance provider you want to work with, most of the work is done for you. So the first step for you is to find the right insurance company willing to work with you to get you back on the road.
When you have your license suspended after a major traffic violation, you will need to file an SR-22 certificate of financial responsibility to get back on the road. However, you will now be in a higher risk group due to your driving record. The nature of your offense and the state you reside in often determine the degree to which your driving record will suffer. For example, continually adding minor traffic violations and eventually triggering a license suspension may not affect it as adversely as a DWI.
Insurance carriers design SR-22 policies to accommodate the increased level of liability coverage you are required to carry. However, since this coverage is for increased required liability levels only, it does not automatically cover the costs associated with your injuries or damage to your vehicle. Full-coverage collision policies are also available to SR-22 drivers, usually at a higher rate.</p>
If you do not own a car, you will have to get non-owner SEO insurance. These policies allow SR-22 drivers to drive any vehicle to which they have access. However, if they are involved in an accident, it can be complicated to determine which insurance coverage will pay for what damages.
Unfortunately, now that you are in a higher risk category, you can expect to pay higher monthly auto insurance rates. The increased amount will depend on the severity of the incident that triggered your license suspension and how much the state raises your required liability coverage. You must shop around for the best rates. Expect to see significant differences in the amounts quoted to you by various insurance companies. This variance is because insurance providers all have unique rating factors that they put in place to target different market segments. Some companies specialize in working with SR-22 insurance and can sometimes offer you lower rates because they cover drivers in higher-risk categories. By getting quotes from as many providers as you can, you increase your chances of getting a better deal.
If you find yourself trying to get your license back after a suspension, you want the process to go as simple and hassle-free as possible. OfficialCarInsurance.com gives you the tools to find the right SR-22 insurance provider.
Our website allows users to see a side-by-side comparison of multiple insurance options. In addition, we only work with the nation’s top insurance providers, so you can always rest assured that you will end up with a safe and reliable company.
Compare the best rates in your state with the OfficialCarInsurance.com