When you call or ask an auto insurance carrier what is an SR22 auto insurance policy, you will likely be met with a standard response. SR22 auto insurance comes with a mandatory filing or certification to the state's Department of Motor Vehicles. A driver requiring SR22 auto insurance filing would be notified in writing by the state of their residence. The SR22 form filing proves to the state that the driver has purchased the minimum liability auto insurance coverage required by state law. Having an SR22 auto insurance policy usually comes as a mandate and has to be done to drive legally for a period of time.
A driver likely has to obtain SR22 auto insurance if they committed any of the following violations:
- DUI or DWI
- High risk moving violations
- Driving on a suspended license
- Failure to insure vehicle tickets (applicable in states with mandatory insurance laws)
What is an SR22 Auto Insurance Policy Duration?
Often times the SR22 auto insurance needs to be filed and kept active for the duration of the state determine sentence. To be a legal driver in a state, SR22 insurance has to be filed; otherwise drivers may face penalties such as loss of driving privileges. A driver that cancels their SR22 insurance policy should know the insurance company is required by law to file a form with the state informing them that the driver no longer carries the SR22 insurance. Many see as little as six months on SR22 insurance, while others must spend years on the service. Those who move away from the state that requires the SR22 insurance filing must still complete their term.
How to Find SR22 Insurance Policies
Drivers who have been ticketed for DUIs, driving without insurance, and other incidents may be required by their state to purchase SR22 insurance. Most insurance companies offer information on SR22 insurance filing insurance on their website. A quick look on their website should let you know if they offer SR22 insurance.
Many insurance companies offer the SR22 insurance policies, but others may wish to call to find the best company to deal with. A good customer service department can go a long way towards easing the pain of SR22 insurance. Our quote search can connect you with several top insurance companies that offer SR22 insurance filing.
The SR22 filing can be different for various states. For instance, Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania do not have a SR22 filing program. Other states have an SR22 filing fee, which can increase the monthly premium from the insurance company, since they would likely file and pay the fee.
If you have more questions about SR22 insurance policies, then you can speak to an agent about the process for your state and situation. It's best to keep up with the filing, as state's do not take lightly to those who fail to fulfill their requirements.
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