Who Needs SR22 Insurance?

An individual needs to have different kinds of insurance. Broadly speaking, some of the kinds of insurance that come into play are:

• Medical,
• Automobile,
• Health,
• Professional and even
• Insurance of body parts if one is an athlete!

One important area of insurance is vehicle insurance and another term that is related to this sector is SR-22 insurance. One important point here – even though it is known as SR-22 insurance it is only a certificate of insurance which goes to prove financial responsibility. It is not to be confused with regular insurance and it is not a substitute for such regular insurance either.

So why talk about an SR-22?

Sometimes, it may become necessary for an individual to have SR-22 when he or she has been involved in:

• DUI convictions
• At fault accidents
• Reckless driving
• Accidents while being uninsured
• Serious moving violations and
• DWI as well.

These are some instances that may lead to the suspension or revocation of a driver’s license. Different states in the USA need an individual to file an SR-22 insurance under the circumstances. If an individual wants his or her driver’s license to be reinstated, then he or she may need to produce such a financial responsibility certificate.

The car insurance company takes the responsibility

While the car insurance company will certainly take the responsibility for filing the SR-22 insurance with the state, it is up to the individual to maintain this SR-22. Failure to do so or allowing the policy to lapse will immediately result in the car insurance company notifying the state of the same. Further to this notification, the individual loses all chances of getting his or her driver’s license reinstated. Thus, it is only the filing of the SR-22 insurance that becomes the responsibility of the insurance carrier.

How can you get SR-22?

The easiest thing for you to do is to contact your present automobile insurance service provider and find out about the formalities involved in getting an SR-22 insurance as well. You can also get free online rate quotes from multiple service providers if you go through different websites such as cheapsr22insurance.org. Such an action will result in getting quotes from different service providers and enough information for you to take the right decision as to which company is the right one when it comes to filing an SR-22.

Details will vary

The terms and conditions pertaining to an SR-22 vary from state to state. It would be an extremely good idea for an individual to discuss the circumstances with the insurance service provider who will then be able to give a quote depending on factors such as:

• The judge’s orders,
• The severity of the violations,
• Assessment of the risk of insurance and
• The length of time for which the SR-22 insurance has to be in effect.

Thus, it is important to understand that an SR-22 does not replace conventional vehicle insurance. It should therefore not be misconstrued as a substitute for automobile insurance. It is only a financial certification that a car insurance files with the state on behalf of an individual.

The SR-22 is not required forever. On an average it takes around three years for your driving record to be cleared. So if you have been ordered to take an SR-22 insurance then in three years time your traffic violations would have been cleared and then there is no need for you to pay for SR-22 along with your insurance. All you need to do is call your insurance company and tell them that the violations have been cleared and you do not require a SR-22 insurance. The time it takes for your driving record to be cleared varies among states. So it is essential to check with the concerned authorities in your state and ensure that your record is cleared before informing the insurer that you do not want SR-22 added to your vehicle insurance.

Tags: automobile insurance, car insurance, SR22 Insurance

Category: Car Insurance