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Driving without financial responsibility insurance can lead to severe consequences, including license suspension and fines. If you’ve found yourself in this situation, obtaining SR22 insurance is crucial to regaining legal driving privileges.
What is SR22 Insurance?
An SR22 is a certificate of financial responsibility that is filed with the Department of Motor Vehicles (DMV) by an insurance company on behalf of a driver. It serves as proof that the driver maintains the minimum required insurance coverage, as mandated by the state.
Why Do I Need SR22 Insurance?
An SR22 is typically required in the following situations:
- License suspension due to driving without insurance
- Convictions for certain traffic violations, such as DUI or reckless driving
- Accidents involving uninsured or underinsured drivers
Benefits of SR22 Insurance
Obtaining SR22 insurance offers several benefits:
- License Reinstatement: SR22 insurance can help you regain driving privileges after a suspension.
- Avoid Future Suspensions: Maintaining SR22 insurance ensures that your insurance status remains in good standing.
- Lower Insurance Premiums: By demonstrating financial responsibility, you may qualify for lower insurance rates in the future.
Get SR22 Quotes Today
Getting SR22 insurance is a straightforward process. Simply reach out to us, and we will provide you with competitive quotes from top-rated insurance providers. Our team of experts will guide you through every step, ensuring you get the best coverage for your unique needs.
Don’t let a previous driving infraction or lapse in insurance coverage impact your future. Contact us today to get SR22 quotes and secure your driving privileges.
What is SR22 insurance?
SR22 insurance is a type of financial responsibility insurance required by many states for drivers who have been convicted of serious traffic violations, such as driving under the influence (DUI) or driving while intoxicated (DWI). It is also required for drivers who have had their licenses suspended or revoked due to multiple traffic violations.
How SR22 Insurance Works
SR22 insurance is not an actual insurance policy; it is an endorsement that is added to an existing auto insurance policy. The SR22 endorsement certifies to the state that the driver has met the minimum insurance requirements and that they are financially responsible for any damages they may cause in an accident.
To obtain an SR22 endorsement, you must first have an active auto insurance policy. You can then request that your insurance company add the SR22 endorsement to your policy. There is usually an additional fee for this endorsement.
Who Needs SR22 Insurance?
SR22 insurance is required for drivers who have been convicted of the following violations:
- Driving under the influence (DUI) or driving while intoxicated (DWI)
- Refusing to submit to a breathalyzer or blood test
- Driving with a suspended or revoked license
- Accumulating multiple traffic violations
- Causing an accident that results in serious injury or death
The length of time that you are required to carry SR22 insurance varies from state to state. In most cases, you will need to maintain SR22 insurance for at least three years.
Cost of SR22 Insurance
The cost of SR22 insurance varies depending on the following factors:
- The type of violation you were convicted of
- Your driving history
- The insurance company you choose
In general, you can expect to pay between $200 and $500 per year for SR22 insurance.
SR22 insurance is an important type of financial responsibility insurance that can help you to reinstate your driver’s license and avoid further penalties. If you have been convicted of a serious traffic violation, you should contact your insurance company and request an SR22 endorsement.
