You might never have heard of the term SR22 until you’ve tangled with the legal system. If you’re in the process of working on getting your driving privileges back, SR22 is a state filing required to drivers who have gotten into some trouble along the way. If you are interested in getting your driving privileges reinstated, then you should probably learn as much as you can about SR22 insurance.
Many people may not know about SR22 insurance. Maybe you know a person who needed it at one point in their lives. Or, maybe you are that person? To put simply, a SR22 document is produced by an insurance company and filed with DMV verifying that a driver has adequate auto liability insurance. A driver may be required to file after a driver’s license is suspended or revoked. This normally occurs after a car accident, speeding or driving under the influence.
Who Should Buy it?
This type of insurance could be required in many cases. An SR22 allows you to keep or reinstate your driving privileges after a serious or repeated offense. You need to get an SR22 if you are planning on getting your driver’s license reinstated. These forms are filed by insurers and prove that you have car insurance (even after a serious conviction like being charged with a DUI).
There are a few other reasons to why you might need to get SR22 insurance though. As previously stated, getting something like a DUI can mean that you will have to get this type of insurance. However other reasons might be because you were caught driving without valid driving insurance, without a license (or an expired one), or if you’ve had too many tickets in a short period of time. These are the most common reasons for needing to get a SR22.
Where Can You Buy it?
The easiest way that you can buy SR22 insurance is to purchase your insurance via the internet. Online purchases are fairly straightforward, however, if you would prefer you can contact an insurance company and meet with an agent. Most people prefer to meet with an agent as they can then communicate better about what actually needs to be done.
It also makes more sense to meet up with an agent, as the issue with buying things online is that you may not know the price of the fee until the purchase is over. These fees vary from state to state, so you won’t know exactly what the fee is online. However, if you call up your agent, then you can find out how much money you have to prepare for fees, which makes your life a lot easier. You should also be made aware though that not all insurance companies offer SR22 insurance.
SR22 When You Don’t Own a Car
Not many people realise that they need insurance even if they don’t own a car. However, you may need to get an SR22 filed on your behalf to get your driver’s license (you can click here for more information about this). You might also find that some insurers will file them for you if you buy non-owner car insurance. This type of insurance will cover any damage you cause whilst driving a vehicle that you don’t own (such as a car that you borrowed or rented).
There is a lot more that you will have to consider when it comes to getting SR22 insurance, however, the important thing is that it is the right thing for you. Not everyone will need to get SR22 insurance, so if you aren’t too sure you should make sure to call up your insurance company. You might find that you actually don’t need it and will be fine with just normal car insurance. If that is the case, then you can check out this article here about understanding the basics regarding car insurance.