What is SR22 Insurance and Why Do I Need It?
SR22 Insurance is an insurance policy which is necessary for certain high-risk drivers in order to restore a revoked or suspended driver's license.
SR22 filings are usually a three year requirement by The Department of Motor Vehicles depending on how severe the violation is.
When an insurance company or provider issues the SR22 auto insurance policy, it provides a certificate which guarantees the specific state's Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the Department of Motor Vehicles will be notified if there is any gap in time of coverage.
If the policy is not maintained or is canceled, the DMV will immediately suspend the driver's license and may additionally penalize the driver.
People who have had their license under suspension by the DMV require a SR22 Filing to reinstate their license for that specific state.
That includes all the following violation that could put you in the need for an SR-22 filing: drunken driving violations, more minor moving violations, suspensions from unpaid fines and also parking violations.
In order to have your license re-instated after you have been informed that you require SR 22 insurance you must do a few things first.
You must obtain minimum liability coverage on the vehicle(s) you own.
If you do not own a motor vehicle, you must purchase "non-owners" liability coverage.
The price is based on the harshness of your driving record, where you live, and the number of years of driving experience that you hold on your record.
If you do not know what is on your driving record you can purchase your driving record from the Department of Motor Vehicles.
Usually if the situation had normal conditions the SR22 Filing period is anywhere from one to three years.
But, it is not limited to this time period.
To actually have your license reinstated you must first know what is on your driving record.
You will then have to find out through your DMV what other remaining fees are required in order to re-instate your driver's license.
You might have some moving violations or unpaid fees still lurking on your record in which you will need to take care of before filing your SR-22.
After you have successfully completed these items you will need to get some quotes for SR 22 insurance and make a purchase.
Depending on your purchase you can usually immediately go and have your driver's license re-instated.
Skipping out on trying to properly acquire SR 22 insurance will not help your situation and is virtually impossible to get around.
For anyone with a need for the type of coverage it is important to cross all your T's and dot all your I's and acquire the right coverage so that you can once again get behind the wheel of a vehicle.
SR22 filing can be a very frustrating process and can quickly become .
By working closely with a professional you can ensure that everything is done correctly and accurately.
SR22 filings are usually a three year requirement by The Department of Motor Vehicles depending on how severe the violation is.
When an insurance company or provider issues the SR22 auto insurance policy, it provides a certificate which guarantees the specific state's Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the Department of Motor Vehicles will be notified if there is any gap in time of coverage.
If the policy is not maintained or is canceled, the DMV will immediately suspend the driver's license and may additionally penalize the driver.
People who have had their license under suspension by the DMV require a SR22 Filing to reinstate their license for that specific state.
That includes all the following violation that could put you in the need for an SR-22 filing: drunken driving violations, more minor moving violations, suspensions from unpaid fines and also parking violations.
In order to have your license re-instated after you have been informed that you require SR 22 insurance you must do a few things first.
You must obtain minimum liability coverage on the vehicle(s) you own.
If you do not own a motor vehicle, you must purchase "non-owners" liability coverage.
The price is based on the harshness of your driving record, where you live, and the number of years of driving experience that you hold on your record.
If you do not know what is on your driving record you can purchase your driving record from the Department of Motor Vehicles.
Usually if the situation had normal conditions the SR22 Filing period is anywhere from one to three years.
But, it is not limited to this time period.
To actually have your license reinstated you must first know what is on your driving record.
You will then have to find out through your DMV what other remaining fees are required in order to re-instate your driver's license.
You might have some moving violations or unpaid fees still lurking on your record in which you will need to take care of before filing your SR-22.
After you have successfully completed these items you will need to get some quotes for SR 22 insurance and make a purchase.
Depending on your purchase you can usually immediately go and have your driver's license re-instated.
Skipping out on trying to properly acquire SR 22 insurance will not help your situation and is virtually impossible to get around.
For anyone with a need for the type of coverage it is important to cross all your T's and dot all your I's and acquire the right coverage so that you can once again get behind the wheel of a vehicle.
SR22 filing can be a very frustrating process and can quickly become .
By working closely with a professional you can ensure that everything is done correctly and accurately.
Source...