Insurance Curator 
SR-22 Insurance: What You Need to Know
Have you ever heard of SR-22 insurance? If not, you’re not alone. Many people are unaware of what SR-22 insurance is until they find themselves in a situation where they need it. But don’t worry, we’re here to break it down for you.
What is SR-22 Insurance?
SR-22 insurance is not actually insurance at all. It’s a certificate of financial responsibility that is required by the state for certain high-risk drivers. This certificate is filed by your insurance company and proves that you have the minimum liability coverage required by your state.
Who Needs SR-22 Insurance?
Typically, SR-22 insurance is required for drivers who have had their license suspended or revoked due to serious traffic violations such as DUI, reckless driving, or driving without insurance. It may also be required for drivers who have had multiple traffic violations in a short period of time.
How to Get SR-22 Insurance
If you find yourself in need of SR-22 insurance, the first step is to contact your insurance company. Not all insurance companies offer SR-22 filing, so you may need to shop around for a new provider. Once you find a company that offers SR-22 filing, they will handle the paperwork and submit the certificate to the state on your behalf.
The Cost of SR-22 Insurance
The cost of SR-22 insurance varies depending on your state and your driving record. In addition to the cost of your regular insurance premium, there is usually a one-time filing fee for the SR-22 certificate. It’s important to note that having an SR-22 on your record may also result in higher insurance rates.
How Long Do You Need SR-22 Insurance?
The length of time you need SR-22 insurance varies by state, but it is typically required for three years. During this time, you must maintain continuous insurance coverage and avoid any further traffic violations. If your insurance lapses or you have another violation, your license may be suspended again.
Real-World Examples
Let’s say you’re caught driving under the influence and your license is suspended. In order to get your license reinstated, you’ll need to file an SR-22 certificate with the state. You contact your insurance company and they handle the filing for you. You pay the filing fee and your increased insurance premium, and after three years of maintaining a clean driving record, the SR-22 requirement is lifted.
Another example: You’re caught driving without insurance and are required to file an SR-22. You find an insurance company that offers SR-22 filing and pay the necessary fees. You make sure to keep up with your insurance payments and avoid any further violations, and after three years, you no longer need the SR-22.
Conclusion
SR-22 insurance may seem confusing at first, but it’s simply a certificate of financial responsibility required by the state for high-risk drivers. If you find yourself in need of SR-22 insurance, make sure to shop around for an insurance company that offers SR-22 filing and be prepared for increased insurance rates. Remember to maintain continuous coverage and avoid any further traffic violations to ensure that your SR-22 requirement is lifted as soon as possible.