3 Things You Need to Know About SR-22 Insurance

Posted on: 15 July 2021

If you are dealing with a DUI or other serious driving offense, you will need to take a lot of steps to get your life back on track. One issue that you will likely run into is finding auto insurance once you have your license back. To keep your driver's license or get it back after your offense, obtaining SR-22 insurance coverage may be necessary. This car insurance requirement may throw you for a loop. Here are three things that you should know about SR-22 car insurance.

How It Works

The first thing that you should know about SR-22 insurance is that while it is referred to as coverage, it's not a type of policy. An SR-22 is a document that you need that shows you have enough liability coverage through your auto insurance policy. Sometimes SR-22s are called certificates of financial responsibility. Depending on your situation, you may need this document on file for one to five years. If you require this form, the first thing you need to do is contact your insurance company to see if they offer this service.

You May Need A New Insurer

Another thing to know about SR-22 insurance services is that not all insurance companies offer them. If you find out that you need SR-22 insurance coverage, talk to your current insurer as soon as possible to determine whether this is an option. The good news is that many large insurance companies do offer these services. Some insurers specialize in high-risk drivers, a category you fall in if you require SR-22 car insurance. 

It Will Likely Cost More

If you require SR-22 insurance coverage, you need to prepare yourself for higher insurance costs. If you require this type of coverage, you will end up paying more than drivers who have clean driving records. Filing the paperwork for an SR-22 is not expensive, but your premiums may be. How much more you pay will depend on your driving violations, the insurance company you choose, and where you live. If you are looking to save, shopping around will help you find the lowest rates for your situation.

If you require SR-22 coverage, there are a few things to know. First, knowing how SR-22 insurance coverage works is essential. While it's referred to as coverage, it's a document you need to file with the state. Second, not all insurers offer SR-22 services, meaning you may need a new policy. Finally, your insurance costs will be higher if you require SR-22 insurance services. To learn more, contact companies like Bill Blake Auto Insurance.


Auto Insurance Protects Your Assets

Do you want to protect your assets? Of course you do! One way to do this is to make sure you have the right auto insurance. This way, if you get into a car crash, you will not have to pay for the expenses out-of-pocket. Auto insurance covers damage to vehicles, medical expenses, and more. We happen to know quite a lot about auto insurance, and we are happy to share our knowledge. This blog is one place where we do that. We invite you to read our posts and put what you learn to good use when buying and utilizing your auto insurance.

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