If you have lapsed in your auto insurance coverage or received several traffic tickets, you may have to carry SR-22 insurance to keep your license active. This insurance is mandatory in most states. In order to maintain your license, you need to have the right insurance coverage to avoid penalties like fines, extended license suspensions, and even jail time. Fortunately, there are many options to get this coverage, and getting a quote from an agent will help you find a policy that meets your needs.
Non-owner insurance is another option for drivers who want car insurance but don’t own a vehicle. Non-owner auto insurance kicks in when the owner’s coverage expires. In many states, drivers must keep SR-22 insurance on their cars for three years. If you’re not sure whether you need SR-22 insurance or not, you can check your state DMV’s website to find out.
Once you’ve been charged with a traffic violation, your state’s DMV and court may require you to maintain SR-22 insurance. This requirement will last three years in most states, but you can extend the period if you want. However, if you have an accident or other driving violations in the past, the SR-22 requirement could last up to 10 years. During this time, you’ll need to reevaluate your insurance situation to make sure it meets your needs. Using an insurance comparison tool like Insurify can help you make the right choice.
You may also need to consider other types of SR-22 insurance if you drive multiple cars. While the standard SR-22 insurance only covers damage to others’ property and bodily injuries, you might need additional coverage, such as collision coverage. This will cover the expenses incurred in an accident. If you have more than one car, you will need a separate SR-22 insurance policy for each vehicle.
Some states require SR-22 insurance as a condition of reinstatement of your license. The DMV can order this insurance if you have multiple accidents, driving without insurance, or have had too many traffic violations. Additionally, an SR22 certificate can be used as an acceptable proof of auto insurance coverage.
Standard SR-22 insurance can be very expensive, so it’s important to shop around for a plan that fits your budget and your needs. A good way to save money on a policy is to compare quotes from at least three different companies. Also, take note that some insurers offer different discounts and benefits based on the type of policy and car you drive.
Filing a SR22 can be easy, and many insurance companies will do it for you. It is a straightforward process, and the insurance company will often file the form the same day, making it convenient for you. In many states, filing an SR22 online is an option, so you can quickly get a quote without wasting time. In addition, you may need to purchase more comprehensive insurance than the standard liability coverage. Direct Auto can help you get the coverage you need at a low cost.
After you’ve been suspended for driving under the influence of alcohol or drugs, you’ll need to obtain an SR22 insurance certificate in order to regain your license. You should be aware that you need this document for three years. If you fail to renew it, your license may be suspended. If you can maintain this certificate, you’ll be able to drive again and resume your normal insurance coverage.
While most states require a driver to carry SR-22 insurance, eight states don’t. This list includes New Mexico, Delaware, Kentucky, New Mexico, Oklahoma, Pennsylvania, and Virginia. The SR-22 is a form that will have your auto insurance company investigate your driving record and decide whether to cancel your policy or issue you with a new certificate. If your current auto insurance company refuses to issue you with an SR-22, you will need to find a new company.
The most common reasons a driver needs to carry an SR-22 is a DUI or DWI. These cases occur after an arrest for driving under the influence of alcohol or drugs. However, you can also be arrested for reckless driving and receive a traffic violation as a result. Examples of reckless driving include speeding and ignoring road signs.
The insurance premiums for non-owner SR-22 insurance policies can be substantially lower than other insurance policies. However, it’s important to note that you must be financially capable of making the deductible payments in the event of an accident. In some states, the DMV may suspend your license if you don’t have the coverage necessary for a certain period.