Choosing Excellent Insurance Coverage

How to Navigate the Process of Getting SR22 Insurance After a Serious Driving Offense

SR22 insurance can be confusing if you've never heard of it before, but it's important to understand what it is and how it works. This post breaks down everything you need to know about SR22 insurance to help make the process a little less daunting.

What Is SR22 Insurance?

SR22 insurance refers to a specific type of auto insurance policy that your state may mandate following a significant driving violation. It serves as a legal requirement, ensuring adherence and responsibility on the road. This policy proves to your state that you have the minimum required coverage for liability insurance. 

Who Needs SR22 Insurance?

SR22 insurance is not required for everyone but solely for individuals convicted of serious driving offenses like DUI or driving without insurance. The length of time that you will be required to have SR22 insurance varies by state. During that time, you will need to maintain the SR22 policy with no lapses in coverage. It's important to remember that not every insurance company offers SR22 policies, so you may need to shop around to find one that does.

How Does SR22 Insurance Work?

SR22 insurance is not a separate insurance policy but rather an endorsement that is added to your existing car insurance policy. As a result, your insurance rates may be higher than they were before your conviction. If you don't pay your premiums, your policy will lapse, and you could face another license suspension or revocation. To avoid this, it's crucial to make your payments on time and maintain your policy for the required period.

How to Obtain SR22 Insurance

Contact your insurance provider and check if they offer SR22 policies. If they do, they will add the endorsement to your current policy. If they don't, you'll need to find a new insurance company that can provide you with the necessary coverage. Keep in mind that not all insurance companies offer SR22 policies, so you may need to shop around to find one that does. 

The Cost of SR22 Insurance

The cost of SR22 insurance varies by state and depends on several factors, including your age, driving record, and location. Because it's considered high-risk insurance, it's generally more expensive than standard auto insurance. 

Obtaining SR22 insurance can feel overwhelming, but it's crucial to stay covered after a serious driving offense. Remember to start by contacting your current insurance provider to see if they offer SR22 policies, and if not, shop around for other insurance providers that do. Understand that your rates will likely be higher than before, but paying your premiums on time is essential to maintain your coverage. Most importantly, keep in mind that SR22 coverage is only required for a specific period of time, so stay the course, and you'll soon be back to standard auto insurance coverage.

For more information on SR22 insurance, contact a professional near you.