For several reasons, a state might require a driver to file the SR22 certificate. The certificate provides proof of financial responsibility in addition to ensuring that the driver is properly insured for a specified time period assigned by the state. A driver required to present SR22 auto insurance is ordered to do so by the state in a written form. Typically, an individual needs to file an SR22 certificate for reinstating driving privileges post a license revocation or suspension scenario.
But, in what other scenarios does a driver need to file the SR22 certificate. Well, here are the leading reasons that call for having SR22 auto insurance:
- Accumulating too many points on the DMV driving record
- Applying for a hardship license
- Being associated with a child support or neglect cases
- Court has assigned legal judgments
- Driving without insurance
- DUI (Driving Under the Influence)/DWI (Driving While Intoxicated) convictions
- Excess of at-fault accidents, leading to being classified as a high-risk driver
- Involved in an uninsured accident
In addition to the above-mentioned reasons, there are several other causes that may end up requiring SR22 auto insurance. Different states have slightly different SR22 certificate requirements. Therefore, it’s mandatory to contact your local Department of Motor Vehicles (DMV) to learn about all essential details. Starting date for an SR22 filing varies, it might begin with the date of the offense or date of the conviction or date of license suspension/license reinstatement.
How much does SR22 auto insurance cost?
Although the cost of SR22 auto insurance varies from company to company, you need to expense about $15-$25 for filing an SR-22 form. To get an SR-22, you first need to purchase a car insurance policy. Various factors are involved in determining the insurance rate. Because SR22 insurance companies consider a driver requiring SR-22 to be riskier, the insurance rates will likely reflect the risk. You need to do quite some work to know about all your plausible options. While choosing an SR22 auto insurance provider, you need to consider several factors like company service, reliability, the degree of financial responsibility, client reviews, etc.
How to get SR22 auto insurance?
To get SR22 auto insurance, you need to go to a car insurance provider that is filed with the state for issuing SR-22s. The process is simple, and you will be directed step-by-step to gain the insurance. You can get SR22 insurance from any provider licensed by your state.
What if I move from One State to Another?
In case you have SR-22 auto insurance in your state, but you move to another then you need to fulfill all SR-22 requirements of your former state first. Your new liability is required to meet all the minimums required by your former state.