Essential Information About SR-22 Insurance

by Vikash Kumar Digital Marketing Manager

You might never hear the term SR22 insurance unless you get tangled in the legal system. Now, this has led to a lot of confusion about when and why you need this type. Now before you proceed, you must know that this is not what you think it is. It is more of a legal document that you need to obtain along with your car insurance. However, not all insurers charge you same, you need to compare the cost accordingly.

SR22 Insurance Overview

SR22 insurance overview is important if you need to get back on the road safely. Now, you must know that SR-22 is a form, a bond, etc. To be precise, this is an easy to get filing. If you are a car owner, this is definitely what you need.

This is a form that you need to file with the state. The SR22 insurance certificate verifies that you are carrying the state-mandated amount that's needed to keep you secure. Moreover, the company would be guaranteeing to the state that you have been maintaining coverage that is responsible for accidents and would let the state also know if you don't.

Obtaining SR22 Insurance

If you are planning on getting an SR22, you must know everything about how you can get it. This is not something you get easily. According to SR22 insurance overview, you need to find how you can actually get it.

Getting SR22 is not as easy as you think it is. You need to get your car insured first. You cannot obtain the this without getting the coverage. Next, if you already have a car insurance policy you can add the SR-22 document to the existing coverage and file with the state.

Moreover, if your insurer doesn't file the form or you are uninsured, you need to shop for a new one.

Talk to the agents.
Adjust coverage levels.
Compare insurance companies.
Find about discounts.

SR22 Insurance Expiry

As long as the auto coverage is in place, the SR22 remains valid. However, if your policy gets cancelled while you are still needed to carry the SR22, your insurer needs to notify the state. However, failure to obtain this certificate might result in losing the driver's license.

For how long you need the SR22 insurance usually varies from one state to another. In case of some states you need it for at least three to five years.

Types Of SR22 Insurance Certificates

When you are getting an SR22 certificate you must know all the types. Usually, there are three main types. These are operator, owner and operator/owner.

The operator form is for a driver who has borrowed or rented the car. He is not the car owner. It is at times used with non-owner car policy. Next, the owner's form is for those who own and drive their own car. Apart from these, an owner/ operator form is a combination form, which applies to those who actually own the car, but borrows other cars occasionally.