SR22 Insurance Frequently Asked Questions
What is an SR22 endorsement?
Rather than being a specific kind of insurance, SR22 insurance is standard auto coverage that has an SR22 filing added onto it.
How does SR22 insurance work?
An SR22 endorsement is an add-on to either a vehicle owner or a non-owner’s car insurance policy. It’s basically a form which is submitted to the DMV (Department of Motor Vehicles) by your insurance provider to inform them that you’re covered by state-mandated liability auto insurance.
Why is the SR22 form mandatory?
The DMV requires a completed SR22 form from certain drivers in order to reinstate or maintain their driver’s licenses. The DMV’s SR22 requirement applies to people who have been deemed to be potentially dangerous to other drivers. Most of the time, an SR22 is necessary for a person who has been found guilty of a DUI (driving under the influence) or who has a wreck while being uninsured. It’s essentially a method used by the DMV to make sure that a high-risk motorist is covered by car insurance for the safety of the public at large.
How many years is an SR22 necessary?
An SR22 add-on to your insurance policy is typically necessary for about three years before it’s no longer mandated and can be taken off of your policy.
How much does SR22 insurance cost?
Because SR22 insurance is simply an endorsement that’s applied to your insurance policy, the expense of an SR22 filing is equivalent to that of your regular vehicle insurance policy, in addition to a one-time $20 processing fee. Aside from this filing fee, there are no extra costs involved in filing an SR22 endorsement. However, the reason you need an SR22, such as a DUI, will affect your rates.
What should I do if my car insurance is canceled?
At any time during the three-year span that you’re required to have an SR22, if the policy connected with it ends up being terminated, the DMV will again suspend your driver’s license. If this happens, you’ll be required to start up another SR22 policy in addition to reinstating your driver’s license at the DMV, which will involve paying a $55 reinstatement fee. In the event that your policy expires because of overdue payments, your SR22 endorsement will be terminated as well, and your driver’s license will be revoked again.
Which businesses provide SR22 insurance?
The easiest method for finding SR22 insurance is to just enter the terms “SR22 Insurance“ or “SR22 Insurance Rates” into an internet search engine, which will show you which insurance providers handle SR22 insurance. It’s a good idea to check the prices of at least two or three car insurance providers to make sure you’re getting the most reasonable rate.