How does SR-22 insurance work?
How does SR-22 insurance work? When an SR-22 is necessary, as a result of traffic violations, is specified by law in each state that employs the SR-22.
If you have been found guilty of one of these infractions, you will likely be required to submit an SR-22 by the court or the state’s Department of Motor Vehicles before you may keep driving legally or have your license reinstated.
Talk to your insurance company about filing an SR-22 and they’ll send the necessary paperwork to the state on your behalf.
You should know that if your insurance company doesn’t cover drivers who require an SR-22, you’ll have to switch to one that does. The cost of filing the SR-22 with your insurance company may be higher than you expected. Since having an SR-22 indicates that you are a high-risk driver, you may also have to pay a higher premium.
If you have an SR-22 and your coverage expires or you fail to renew your policy, your insurance company is required by law to inform the state promptly. In most states, you’ll need to renew your SR-22 every one to three years, however, this time frame can be extended in some circumstances. While under an SR-22 order, subsequent infractions may result in a lengthened suspension.
Although not ubiquitous, SR-22 requirements may be found in the majority of states. After receiving a traffic ticket in your state, you may be asked to show further proof of insurance, such as a photocopy of your insurance card.
People who do not own a car but are required to keep an SR-22 with their state can get non-owner SR-22 insurance.
The SR-22 form serves as proof that you carry the minimum liability coverage on every vehicle you own. An SR-22 can be added to your insurance coverage even if you don’t own a car by purchasing a “non-owner” policy. This will protect you when operating any vehicle, including a friend’s.