SR-22-compliant auto insurance is a type of coverage required for drivers deemed high-risk by the state. This designation often follows serious driving offenses such as driving while under the influence (DUI) convictions, multiple traffic violations or driving without insurance.
An SR-22 is not an insurance policy but a certificate of financial responsibility that your insurance company files with the state to confirm that you carry the minimum required liability coverage. It is typically mandated by the court or the state Department of Motor Vehicles (DMV) and must be maintained for a specified period, usually one to three years. Failure to maintain SR-22-compliant insurance can result in severe penalties, including license suspension or revocation.
SR-22-Compliant Auto Insurance Near You
Contact your insurance provider and inform them of your need for an SR-22 filing. Not all insurance companies offer SR-22 filings, so shopping around for a provider may be necessary to accommodate this requirement. Once you find a suitable insurer, they will file the SR-22 certificate with the state.
It’s important to note that having an SR-22 requirement can impact your insurance premiums. Because SR-22 filings are typically associated with high-risk drivers, you may experience an increase in your insurance rates. However, maintaining a clean driving record and adhering to the terms of your SR-22 can help you eventually return to standard insurance rates.
If you are required to carry SR-22-compliant auto insurance, it’s crucial to stay on top of your payments and policy renewals. Any lapse in coverage can result in the cancellation of your SR-22 certificate, leading to further legal and financial complications. Regularly communicating with your insurance agent can help ensure you remain compliant with state requirements and avoid any interruptions in your coverage.
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Contact Gene Smith Insurance to compare SR-22-compliant auto insurance quotes.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.