Posted on: 5 May 2022
If you have been ordered to carry SR22 insurance in order to operate a motor vehicle, you may have many questions. SR22 insurance is not a well-known term, and is not one most people are familiar with until their local department of motor vehicles or a traffic court orders them to obtain it. Here are a few frequently asked questions about this type of insurance and the answers.
What is SR22 Insurance?
SR22 insurance is a higher coverage insurance product that individuals with poor driving records may be ordered to carry in order to get their license back. SR22 is higher than state minimum insurance, but the exact coverage amounts can vary from state to state.
Why Would You Be Required to Carry SR22 Insurance?
The most common reason why people are required to obtain SR22 insurance is that they were charged with a DUI, DWI, OUI or OWI. People who are charged with reckless driving, street racing, had an accident while uninsured or who are deemed unsafe drivers may also be required to carry this type of insurance.
How Long Do You Have to Carry SR22 Insurance?
The length of time that someone may be required to carry SR22 insurance varies based on the state and the specific reason they are required to obtain this type of insurance. However, it is important to note that if you drop this type of insurance prematurely, the clock usually starts over for how long you have to carry the insurance.
Why Does SR22 Insurance Cost More Than Regular Insurance?
SR22 auto insurance costs more than regular insurance. This is because the coverage amounts for this product are higher than most regular insurance products. Additionally, the people who have to obtain this type of insurance product tend to be risky drivers. As such, you should expect to pay more for SR22 compared to what you paid for insurance in the past.
Do All Auto Insurance Companies Offer SR22 Insurance?
Not all insurance companies offer SR22 insurance. The courts may have a list of insurance providers in your area who offer this type of insurance product. If they do not, your best bet is to call around to local insurance companies and find out if they offer SR22 insurance.
If you have been required to carry SR22 insurance, you must obtain this insurance product before you can get your license back after it has been suspended. Reach out to an SR22 insurance provider today to obtain a quote and additional info or get an SR22 insurance policy.Share