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Your SR-22 Questions Answered

8266216454_d24ba2b0fd_mWhenever we decide to get behind the wheel, it’s important for us to keep in mind that driving is a privilege that can be taken away if we choose to disobey the laws of the road that have been put into place to keep drivers, passengers and pedestrians safe. However, situations still arise often that can result in a suspended driver’s license. If this ever happens to you, you will need to find out what your options are for getting it back. This is frequently where questions pop up about SR-22 requirements and all that it entails.

What is an SR-22?

An SR-22 is a form to be filed with the DMV that serves as proof that a driver has acquired the minimum liability insurance coverage as is required by their state of residence. The majority of states have made an SR-22 mandatory before a driver’s license can be reinstated. The most common reasons for being ordered to submit this document of financial responsibility include having numerous traffic violations in a short period of time, driving uninsured or getting cited for a DUI. You may also hear this being referred to as SR-22 insurance, though it is not an actual insurance policy, but an addendum that must be carried alongside your normal policy.

What Do I Need to Know About SR-22 Forms?

It’s necessary to know that an SR-22 form isn’t something that you can just go pick up and send in yourself. It must be obtained from and filed by an insurance company that can certify you have indeed purchased an insurance policy that fulfills your state’s coverage requirements. Also, not just any insurance company is eligible (or willing) to provide an SR-22. You will have to find an insurance provider that meets the qualifications.

What Are the Costs Associated With SR-22?

There is usually a nominal fee for filing the actual SR-22 form, but since it’s associated with high risk driving, this won’t be the only expense. You’re sure to find that there will be an increase in your insurance premium along with an additional charge for the SR-22 addendum. There is no set fee for an SR-22, and the amount you pay will depend on a lot of the same things that a regular policy factors in (age, gender, driving record, type of vehicle, etc.). This is why it’s strongly advised that you shop around before choosing a provider to sign up with, which has been made easy by websites that can send you quotes to compare within minutes.

The thought of having to deal with an SR-22 is never pleasant, but learning the facts will help you to find the cheapest options available and ensure that your financial responsibility is taken care of.

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