How Does SR-22 Insurance Work?

SR-22 Insurance

Did you know that SR-22 insurance has an average filing fee of $15-$35? But it always depended on your state. 

This big financial responsibility can help people driving your car get compensated if they are injured while in your vehicle. So, you may ask, how does SR-22 insurance work? Wondering this can be one more thing to stress about.

Here is everything you need to know about  SR-22 insurance.

SR-22 Insurance

SR-22 insurance is a type of auto insurance required by some states for drivers convicted of certain traffic violations. The insurance company files the SR-22 insurance form with the state Department of Motor Vehicles (DMV). The form provides proof that the driver has the minimum amount of auto insurance coverage required by state law.

SR-22 insurance is typically more expensive than regular car insurance because you’re seen as high-risk. Insurance companies charge higher rates for drivers with SR-22 because they’re more likely to file a claim. 

How SR-22 Insurance Works

When you need SR-22 insurance, the insurance company will file an SR-22 form with the state Department of Motor Vehicles. This form proves that you have the minimum amount of liability insurance coverage required by your state.

If you cancel your insurance or let it lapse, the insurance company will notify the DMV, and your driver’s license may be suspended.

It is included on your driver’s license record, and you need to maintain the SR-22 for a specific period, usually three years. The SR-22 certificate is not insurance but proof that you have the necessary insurance. 

Benefits of SR-22 Insurance

SR-22 insurance is a certificate that proves you have auto insurance coverage. The state usually requires it for drivers convicted of DUI or other serious traffic violations. SR-22 insurance is not a separate insurance policy but an endorsement that is added to your existing auto insurance policy.

The SR-22 certificate is filed with the state by your insurance company, verifying that you have the minimum required auto insurance coverage. If your insurance coverage lapses for any reason, the insurance company will notify the state, and your driver’s license will suspended.

Getting SR-22 Insurance

The SR-22 insurance policy can get from an insurance company licensed in the state where the driver lives. Once you have the SR-22 insurance policy, the insurance company will file an SR-22 form with the state. Once the DMV has received the paperwork, they will send you a notice telling you that you need to maintain SR-22 Insurance for a specific time.

If you want to get SR-22 Insurance, visit this page to find the most affordable insurance with over 99% approval rating in the state.

SR-22 Insurance Can Help

SR-22 insurance works by protecting drivers who considered high-risk. It is a type of insurance typically required by the state for drivers convicted of DUIs or other serious traffic violations. If you need to have SR-22 insurance, be sure to compare rates from different providers to get the best deal.

Check out the rest of our blog for more tips and informative topics. 

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BSV Staff

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