The term “SR-22 insurance” is a bit misleading as it isn’t actually insurance — it is a form or certificate that is sent to the Department of Motor Vehicles (DMV) or Bureau of Motor Vehicles (BMV) on the policyholder's behalf. It indicates the policyholder meets the minimum liability coverage insurance requirement set forth by the court. It’s important to have this type of policy as it can help you avoid costly fines and penalties if you're pulled over again.
Not every driver needs an SR-22 certificate. It is usually required for those who have committed certain driving violations, such as:
Driving under the influence (DUI) or driving while intoxicated (DWI)
Too many traffic violations in a short period of time
Having a driver's license suspended orrevoked
Driving without valid insurance
What Does SR-22 Insurance Cover?
SR-22 insurance covers the same things as regular car insurance. However, it is important to keep in mind that SR-22 insurance is technically not a type of coverage, but rather auto insurance with a certificate of proof showing that you have the minimum amount of car insurance required by your state.
Benefits Of SR-22 Insurance
SR-22 insurance is designed to provide coverage for high-risk drivers who are required to file an SR-22, and it can offer a few benefits, including:
One benefit of SR-22 insurance is that it may remove any restrictions that have been placed on your driving privileges. If you've been involved in a serious traffic violation, or if you've been convicted of a DUI, then your license may be restricted. This means that you may only be able to drive for certain purposes, or during specific hours of the day. An SR-22 insurance policy could remove these restrictions and give you the freedom to drive as you please.
An SR-22 policy may provide you with the financial security you need, to know that you're covered in the event of an accident.
Peace Of Mind
When you have an SR-22 insurance policy in place, you'll have peace of mind knowing that you're properly protected against most potential risks.
How Do You Know If You Need SR-22 Insurance?
To find out if you need SR-22 insurance, you can contact your state's DMV or speak with your insurance company.
If you are found to be at fault in an accident, or if you are caught driving without insurance, you may be required to have SR-22 insurance. If you are convicted of a DUI/DWI, you will likely need to get SR-22 insurance. Some states may require SR-22 insurance for drivers who have had their licenses suspended or revoked for other reasons.
SR-22 insurance is not a standard type of insurance coverage, and not all insurance companies offer SR-22 insurance. But, Acceptance Insurance does. Speak to an Acceptance Insurance agent or visit us online to obtain an SR-22 insurance quote.
How Much Is SR-22 Insurance And How Can You Afford It?
The cost of SR-22 insurance varies depending on the state you live in. SR-22 insurance can be expensive, but there are a few ways to make it more affordable.
One way to make SR-22 insurance more affordable is to purchase a policy with a high deductible. A high-deductible policy will have a lower premium, which can make it more affordable.
You could also reduce the cost of SR-22 insurance by taking a defensive driving course. This may help you to get a discount on your premium.
Finally, consider the type of vehicle you drive. Sedans and other vehicles with high safety ratings may cost less than a sport or luxury vehicle.
How To Get SR-22 Insurance In Your State
Each state has its own process for getting SR-22 insurance, so it's best to contact your local DMV for specific instructions. However, here are some general steps you can take:
Contact an insurance company, like Acceptance Insurance, who offers SR-22 policies to get insured.
Once you have obtained an SR-22 insurance policy, the insurance company will then file an SR-22 form with the DMV on your behalf.
The DMV will then send you a notice confirming that you have met the requirements for SR-22 insurance.
You will need to maintain your SR-22 insurance policy for a period of time specified by the DMV, which varies by state. If you cancel your policy or let it lapse, the DMV will be notified, and your driving privileges may be suspended.
If you are in need of an SR-22 policy, our knowledgeable agents can help walk you through the process. Contact Acceptance Insurance today to get a free SR-22 insurance quote.
Common Questions About SR-22 Insurance
What Is The Purpose Of SR-22 Insurance?
SR-22 insurance is a specific type of car insurance that is often required by states for drivers who have been convicted of a DUI or other serious driving offenses. It provides proof to the state that the driver has the necessary liability insurance in place.
Does An SR-22 Make Insurance Go Up?
Typically, an SR-22 on file will make auto insurance rates go up as it is seen as a riskier policy, but each insurance company has its own set of rates and discounts. It’s best to speak to your insurer to find out how an SR-22 would affect your premium.
Material in these articles is for general information or entertainment purposes only. Acceptance Insurance does not endorse and is not affiliated with any of the companies or apps listed in this article. Acceptance Insurance is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services, or other materials on or available through these websites or resources. Any references to third-party rates or products are subject to change without notice. Trademarks are property of their respective owners. An SR-22 is not insurance, it is a certificate of financial responsibility filed with your state to show that you are meeting your state's minimum auto liability insurance requirements. Price may vary based on how you buy. Not all products, discounts or payment plans are available in all states or distribution channels. All products described herein are subject to terms and conditions.