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 SR22 and You: What You Need to Know
First, it's important to understand that an SR22 is not auto insurance. It is a statement you must file, and a form you must carry, to prove you HAVE auto insurance, or to take your driver's license out of suspension. Specific laws regarding the terms of an SR22 vary from state to state, but generally they include:
The length of time is governed by state laws, and can vary depending on the severity of your violation. A serious accident without any deaths, for example, will have a shorter requirement than one where death occurred. In California, the length of time an SR22 must be in place is generally three years. Likewise, the amount of coverage required will vary. In Illinois, for example, liability must be at least $20,000 if only one person was killed, and $40,000 if two or more people were killed. Other terms that must be fulfilled are specific, again, to the terms of your license revocation. If you were suspended for a DUI, you might have to go through an alcohol awareness or abuse program. A revoked license because of reckless driving might mean that you have to take a defensive driving class, while a suspension because of child support arrears will generally require that you bring the payments current. |
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If your SR22 was because you were involved in an uninsured accident, or a DUI, you will be classified as "high risk" by insurance companies, and you will be paying a high premium for the insurance that you get, which must be through an agency that is certified to file SR22 forms within your state. If you are required to have an SR22 because of child support, and your driving record is otherwise clean, you won't be considered "high risk" but you will still have to buy insurance through a certified company. Either way, HighRiskInsurances.com can help you find a company that can meet the necessary terms and offer you coverage at a price you can afford, but your premium will still be higher than if you had a clean driving record and no SR22. You should also know that while you can purchase auto insurance before your driver's license is restored, you only have 30 says in which to obtain a valid license before your insurance will be cancelled. It is also vitally important that you maintain a good driving record from the time you file SR22 onward, for your own sake, as well as that of other drivers on the road. Remember that SR22 is not insurance itself, but proof of financial responsibility. Basically it's stronger proof than a mere insurance card, that you do carry the necessary amount of liability insurance required by your state. No matter what the cause of your SR22, HighRiskInsurances.com will not judge you. Our job is only to help you find a company that offers the insurance you need, at a price you can afford, with the proper certification for your state. Get a quote from us, and get back behind the wheel. |
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If you have spent any time shopping for insurance, you've run into the term "SR22." If you've ever been cited for a DUI, involved in an accident where you couldn't prove you had insurance, or if you owe back child support, you might have had your license suspended, and will need to file or carry an SR22 to get it back. But what is it, exactly, and how does it affect your auto insurance? [ Home
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