SR22 Auto Insurance
Auto Insurance Online ->
High Risk Auto Insurance ->
Topics for High Risk Drivers ->
SR22 Insurance is an insurance policy which is required for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but SR22 insurance policies can vary from one to five years, depending on the violation.
Free SR22 Insurance Quotes
For a fast, free quote on SR22 car insurance, enter your zip code and click "Get My Quotes."
How SR22 Auto Insurance Works
When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the
insured has met the state's required minimums of liability coverage and that the DMV will be notified if there is any lapse in 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.
Since the individual covered by the SR22 insurance policy has shown a lack of responsibility in the past, this policy is designed to make it very difficult for the individual to operate a vehicle without insurance.
Who is Required to Carry SR22 Insurance?
In general, drivers with serious violations on their record may be required to carry SR22 coverage to have their license reinstated. Violations that would require an SR22 insurance policy might include:
- DWI / DUI
- Failure to carry insurance
- Multiple moving violations
- Reckless driving
Types of SR22 Car Insurance Coverage
The basic types of coverage include SR22 Car Insurance, SR22 Motorcycle Insurance, and an SR22 Non-Owners Insurance policy. The SR22 Non-Owners policy would be required
if the driver wishes to maintain a driver's license but does not own a vehicle, and will typically cover basic liability coverage,
uninsured motorist bodily injury protection, and uninsured motorist property damage coverage.
Requirements can vary greatly from one person to another based on the driver's offense, previous driving experience, credit history, and the state and region in which he or she lives. Because this is generally a high-risk policy, not all insurance companies will provide SR22 insurance policies, and it is extremely important to obtain you coverage from a reputable company. The penalties are usually severe if the coverage lapses, so choose a trusted insurance company, not just the "lowest bidder".
|
