If your license has been temporarily suspended, if you have had an excessive number of traffic violations, or if you were caught driving without insurance, you may need to get SR-22 insurance. With this type of insurance, your state can keep a closer eye on you and make certain you are keeping the proper amount of insurance coverage in place.
What is SR-22 Insurance?
SR-22 insurance coverage is a special type of car insurance coverage that certain individuals are required to carry. In many states, people that are convicted of a DUI a required to carry SR-22 insurance for a period of time. There are other reasons that a person may be required to carry this insurance, however. For example, if a driver has so many points on his or her driver’s record that his or her license was revoked, the driver may be required to carry SR-22 insurance in order to get the license reinstated. Furthermore, some drivers are required to carry SR-22 insurance coverage if they were caught driving without insurance.
How is SR-22 Insurance Different from Other Types of Insurance?
SR-22 insurance is different from other types of insurance because the insurance company must report to the license bureau of there is a lapse in coverage. In other words, if you are required to carry SR-22 insurance and you cancel it, the insurance company will notify the license bureau. In most cases, your driver’s license will be suspended again until your coverage is back in place. If the insurance company is going to drop your coverage or if you failed to pay your premiums, this information will also be provided to the bureau and your license will be suspended.
How Long Does a Person Need to Carry SR-22 Insurance?
The length of time SR-22 insurance has to stay in place depends upon the state and the driver’s individual situation. The average length of time most people have to carry SR-22 insurance, however, is three years.
How Much Does SR-22 Insurance Cost?
Just like with traditional car insurance coverage, the cost of SR-22 insurance will depend upon a number of factors. These include your driving record, where you live, and the type of vehicle you are driving. With SR-22 insurance, however, you can expect to pay more than what you would for a traditional policy.
Where Do I Get SR-22 Insurance?
Not all car insurance companies offer SR-22 insurance policies. Therefore, you might have to do a bit of looking around to find a company that provides this coverage. Nonetheless, you should do some comparison shopping in order to be certain you get the best deal possible. In general, insurance companies that specialize in high risk policies are going to be where you have to look to find this type of policy.
Shannon Kietzman is a freelance writer and an authority on car insurance issues, including methods for car insurance online. She helps others learn the basics of car insurance so they can make proper and informed decisions when choosing the coverage that is right for them.
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