So, you’ve made a mistake. Your state is now requiring you to have an SR-22. While it may seem like a really bad situation, there are a few things you should know that will make it easier.
How You Got Here
State vehicle licensing and registration departments generally require you to file an SR-22 if you’ve had a serious motor vehicle violation. These can include things like:
- Being convicted of a DUI or DWI
- Being caught driving without insurance
- Having many violations that result in high points on your record
- Being involved in a serious accident with injuries
What is an SR-22?
An SR-22 isn’t insurance, it is proof of insurance that comes directly from your insurance company to the state. The state requires this official form to ensure that you are being responsible. The SR-22 is proof that you are carrying, and will continue to carry, the legally mandated amount of car insurance for your vehicle. Usually, if your license has been suspended for any of the above reasons, you will have to file an SR-22 before you can get your license back.
How Do I File an SR-22?
The only way to file an SR-22 is by contacting your insurance company. This will definitely cause your insurance to go up, as you will now be considered high risk. Since some companies do not cover high risk drivers, your regular insurance company may not offer to file an SR-22. You may have to find a new company. However, there are insurance companies that specialize in just this situation and will file your SR-22 with your state motor vehicle department.
How Much Does an SR-22 Cost?
The SR-22 itself is simply a form and does not cost much. What does cost a lot is the hike in your insurance premiums because you are now considered to be in the high risk category. There’s not too much you can do to get around this, but paying attention to available discounts, potential bundling options, and deductible options may help.
How Long Will I Have to File an SR-22?
Generally, in most states high risk drivers are required to file an SR-22 for three years. But, if you have another violation or are involved in another accident during that time, you may have to carry the SR-22 even longer.
If you have no violations or incidents in the period of your SR-22, then you will be released and will be free to purchase insurance as you normally would.
Be aware that you will have to contact your insurance company to have the SR-22 removed.
It’s no fun to have to purchase your auto insurance with an SR-22, but it’s not forever! And InsuranceWins can help you through the process. Just fill out our easy-to-use form and we’ll help you find the right insurance for you.