Are you looking for SR22 Insurance? When your driver’s license is suspended in Verona, Wisconsin, the Department of Motor Vehicles may require you to get an SR22, also known as a Certificate of Financial Responsibility. This certificate verifies that you purchased the required vehicle coverage to be reinstated of your driving privileges.
It’s important to do your research when looking for an SR22, as you will face higher car insurance rates than normal, and not all insurance companies penalize policyholders in the same way. Additionally, not all Wisconsin insurance agencies offer high risk insurance coverage, which is necessary for those who need an SR22. Fortunately, Action Insurance Agency works with companies that do offer high risk insurance and make the process of getting this coverage quick and easy. When you enroll in high risk auto insurance, our team fills out the SR22 form for you on your behalf.
Once the coverage is in place, if you avoid lapses in your high risk insurance policy and keep your driving record clean, you won’t face these penalties forever. In fact, you could pay standard rates again in just a few years. For those who don’t own a car, you might need non-owner insurance instead.
Why You May Need an SR22
There are a number of reasons why you may need a Certificate of Financial Responsibility in Verona, including:
A DUI or DWI
One or more serious moving violation(s)
License suspension or revocation
Several traffic offenses
Failure to maintain the required insurance coverage in Wisconsin
The Department of Motor Vehicles, or the court where you appeared, will notify you by mail if an SR22 certificate is mandated. As part of your financial obligations for the SR22, you will be charged a nominal fee when the certificate is provided to the state on your behalf.
Defining an SR22 Certificate
Commonly misunderstood as insurance itself, an SR22 Certificate of Financial Responsibility is a certificate of insurance used to prove that you are meeting your state’s car insurance (and the minimum liability coverage) requirements over a specific period of time.
As mentioned above, an SR22 is a form filled out by your insurance company that is then filed with the state on your behalf. By filing this document, you are verifying to the state that you are maintaining coverage requirements and are financially responsible for any accidents.
Terms & Requirements for SR22 Insurance
While the terms and requirements for high risk insurance may vary by state, generally it’s required for individuals to retain both the SR22 and the high risk insurance policy for about three years. Should you fail to meet any of the terms, your insurance company is required by law to notify the state of Wisconsin DMV, who will then revoke your driver’s license until your insurance has been reinstated. Once the SR22 obligations have been met for the prescribed amount of time, you will be able to pay the standard insurance premiums again, and a wider variety of auto insurance coverage options will be available to you once more.
For more information, or to get an instant quote for SR22 insurance in Verona, Wisconsin, contact your local agent at Action Insurance Agency – the high risk auto insurance experts.
About Verona, WI
Ten miles southwest of downtown Madison, Wisconsin, lies the city of Verona in Dane County. Verona was originally inhabited by Native Americans until it was turned over to the U.S. government from 1829-1832.
The first settlers of the area in 1844 came to Verona to construct the first grist mill in the county named Badger Mill. Samuel Taylor purchased the mill a few years later and expanded it to include a post office and a store, which led to the expansion of the area as other businesses began to open.
It wasn’t until February of 1847 that the Wisconsin Territorial Legislature officially established the Town of Verona, named after Verona, New York, where early settlers George and William Vroman moved from.
Verona was first known as “Hometown U.S.A.” in 1966 by a group of fighting men in Vietnam who adopted Verona as the “perfect example of Hometown U.S.A.” An annual celebration of this nickname known as “Hometown Days” has since attracted residents and visitors of all ages to the area every June.
First incorporated as a village, Village President Burr Weiland discussed converting Verona into a city in 1976 when the area was at risk to become a minor Aldermanic District of the city of Madison (which Verona residents did not want). Two years later, in April of 1978, Verona was officially established as a city.
Today, the city’s residents enjoy the small-town feel of Verona, as well as its many recreational, cultural, and business amenities.
How to Obtain an SR22
Oftentimes, to get an SR22 certificate you will need to work with a company like Action Insurance Agency that specializes in high risk car insurance. You cannot receive one on your own; instead, you have to work with an insurance company to file it with the state on your behalf after you enroll in high risk auto insurance. If you are currently uninsured or your insurance company can’t file an SR22 form for you, you’ll need to shop for a new policy. At Action Insurance Agency, our agents specialize in high risk insurance and would be happy to give you an instant, free, no-obligation quote. Give us a call today!
When an SR22 is Necessary
In the event that you receive a DUI or DWI in Verona, WI, it is very likely you will be required to get an SR22 Certificate of Financial Responsibility.
If required, your court or state will notify you by mail informing you why an SR22 is required and the insurance terms and requirements, as well as how long the certificate must stay on file with the state of Wisconsin.
Depending on where you live, some common reasons to need SR22 insurance include:
DUI, DWI, and other major alcohol violation convictions
Numerous traffic offenses over a short time period
The need to obtain a hardship or probationary license
Getting in an accident while driving uninsured
Reckless or negligent driving, as well as other serious moving violation convictions
Being pulled over while not carrying car insurance for your registered vehicle
Reinstating your driver’s license after revocation or suspension
A conviction for driving without insurance
With an SR22, you’ll be on your way to getting your license and/or registration reinstated. But the only way to receive one is through a specialized high risk auto insurance company like Action Insurance Agency. Let us help make this process as quick and painless as possible for you. Contact us today.
How long do you have to keep an SR22?
Fortunately, you will not need an SR22 permanently. The length of time an SR22 is required varies by state, and sometimes even on the offense. Typically, an SR22 is required for one to five years; most commonly three years. The Certificate of Financial Responsibility is only required in the state of Wisconsin for a total of three years.
When your required time begins also varies by state based on the offense date, conviction date, suspension date, or even the date when your license was reinstated. Knowing how long your SR22 is required (and when your time officially starts) is essential. If you prematurely cancel your insurance policy, it is required by law that your insurer notifies the state, and you will be penalized with a license suspension, revocation, or increase period of time required to have an SR22.
Conversely, if you keep your driving record clean and keep your insurance for the required timeframe, your increased auto insurance rates caused by your driving offense will go back down over time.
Avoid the hassle and guesswork of figuring out your SR22 insurance requirements on your own. Contact one of our agents at Action Insurance Agency for more information based on your specific situation.
SR22: What happens if you move?
If you have an SR22 certificate in one state and move to another, it’s common to still be required to meet the requirements of the state where the offense occurred. Therefore, you will need to research and have a high risk auto insurance company like Action Insurance Agency file an out-of-state SR22 form for you.
Not all states use SR22 Certificates of Financial Responsibility, though. Below is a list of states where it is not required; however, each has its own insurance requirements and version of the form.
We recommend checking what your new requirements may be with your new insurance provider when you move. If you are in the market for an insurance company that specializes in high risk insurance, we can help point you in the right direction.
SR22 Certificates from Action Insurance Agency
Not all insurance companies file SR22 certificates, nor do they specialize in high risk insurance, because they may not want to insure drivers with major convictions and infractions on their records.
Fortunately, our team at Action Insurance Agency specializes in SR22 insurance, and we’ve streamlined the process to make it as fast and painless for you as possible. When you contact us to file your SR22 form, we take care of everything necessary to make sure you are insured by a reputable insurance provider.
Give us a call at Action Insurance Agency today for an instant quote from the experts in high risk auto insurance!