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If you are in need of SR22 Insurance, as some people refer to it as, you are going to pay more for car insurance than you otherwise would. But not all insurance companies penalize you equally, and not all insurance carry high risk insurance coverage which is what you really need if you require an SR22. At Action Insurance Agency we work with the companies that offer high risk insurance and work to ensure that the process of adding this coverage is fast and easy. If you don’t own a car non-owner insurance might be a good option for you in this situation.
With high risk insurance you won’t have to pay a penalty forever. If you keep your driving record clean and stay properly insured without lapses you could be paying standard rates again in just a few years.
When your driver’s license suspension comes a Certificate of Financial Responsibility. If your driver’s license has been suspended, your state Department of Motor Vehicles may require you to obtain an SR22 document, also known as a Certificate of Financial Responsibility. An SR22 verifies the purchase of vehicle insurance coverage required by the state for reinstatement of driving privileges. The SR22 is a form we file on your behalf when you enroll in high risk auto insurance.
What is SR22 Insurance?
An SR22 certification is a form that is filed with the state. It isn’t a type of insurance. An SR-22 certificate of financial responsibility verifies that the named individual is carrying the state-mandated amount of car insurance for a high risk driver. By filing the form, your insurance company is guaranteeing to the state that you’re maintaining coverage and are financially responsible for any accidents. They are also required by law to let the state know if you do not.
Why an SR22 May Be Required
The requirement to have an SR-22 is usually associated with: