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Frequency Asked Questions About SR-22 Insurance

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  • Learn More About SR-22 Insurance

  • Frequently Asked SR-22 Insurance Questions

    We're here to help you understand every aspect of SR-22 insurance. If your question isn't answered below, don't hesitate to contact us!

    SR-22 insurance is not actually insurance itself but rather a certificate of financial responsibility required by some states for certain high-risk drivers. It's often required after a driver has been convicted of a serious driving offense, such as DUI/DWI, reckless driving, or driving without insurance.

    SR-22 insurance is required by state authorities as a way to verify that a driver has the minimum liability insurance required to operate a vehicle legally. It's typically mandated for drivers who have had serious driving infractions or license suspensions.

    Drivers who have been convicted of serious traffic offenses, such as DUI/DWI, multiple traffic violations within a short period, driving without insurance, or being involved in an at-fault accident without insurance, may be required to file an SR-22 form with their state's Department of Motor Vehicles (DMV).

    The length of time you're required to maintain SR-22 insurance varies depending on state laws and the reason for which it was required. Typically, you must maintain SR-22 insurance for a minimum of three years, but it can be longer in some cases.

    Yes, even if you don't own a vehicle, you can still obtain non-owner SR-22 insurance. This type of policy provides liability coverage when you drive a vehicle that you don't own, such as a rental car or a friend's car.

    The cost of SR-22 insurance varies depending on factors such as your driving record, the reason for needing SR-22, your age, location, and the insurance company you choose. Typically, SR-22 filing fees range from $15 to $50, but the impact on your insurance premiums can vary widely.

    Not all insurance companies offer SR-22 insurance, but many do. It's important to shop around and compare quotes from multiple insurers to find the most affordable option for your situation.

    Yes, once you're no longer required to maintain SR-22 insurance, you can cancel the policy. However, it's crucial to wait until you receive confirmation from your state's DMV that the SR-22 requirement has been lifted before canceling your coverage.

    Allowing your SR-22 insurance to lapse, either by failing to renew it or canceling it prematurely, can result in serious consequences, including the suspension of your driver's license and potential fines. It's essential to maintain continuous SR-22 coverage for the duration required by your state.

    Yes, you can switch insurance companies while you have SR-22 insurance. However, you must ensure that your new insurer is willing to file an SR-22 form on your behalf and that there is no gap in coverage to avoid penalties from the DMV. It's recommended to coordinate the switch to ensure a smooth transition.

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