Violated A Lot Of Driving Rules? Information About SR22 Insurance

If you have broken a lot of driving rules, such as gotten a lot of speeding tickets, been charged with a DUI, been in a lot of accidents, etc., many insurance companies will not want to cover you. You may be told that you have to get an SR22 in order to keep driving. Below is more information about what this is so you can get started with the application process.

SR22

An SR22 is required in many cases to reinstate a driver's license after certain types of driving offenses. SR22 can also be used to maintain your driving privileges.

SR22 is not car insurance, however. Instead, this is a document that your insurance company sends to the needed department in your state stating that you have an active insurance policy. The insurance company may send this form through standard mail, or they may submit it electronically. This does depend on the state that you live in.

When you go to court after your driving violation, the court may order that you need to have an SR22. You will then need to contact your insurance company to get this form and have it properly filed before you can drive a vehicle.

Expenses

In most cases, an SR22 filing is not expensive, but this does vary by state. This also depends on your insurance company. They may only charge you a small processing fee. There are some insurance companies that will add a surcharge, which means it will cost you a little more money.

You may also have the expense of increased insurance premiums. This does depend on the violation you had, however. For example, if you have had several accidents, the insurance company will likely raise your insurance premiums. How much they raise it will depend on the type of violations you have, as well as how many you have had. In some cases, this increase can be substantial, or it may not be a large increase.

If your insurance company is charging you a lot for the SR22 and increasing your premiums by a large amount, now would be a good time to look for another insurance company. Talk with several and compare rates until you find an insurance company that will work well for you.

Talk with the insurance company that you hire to learn more about SR22s. They can help you get everything started, as well as help you fill out all the paperwork that is needed for this.