Top Highlights About Getting SR22 Car Insurance: What To Expect

While a common requirement across different states, many people get caught up in the misconceptions and myths around SR22 insurance. Here is a breakdown of what you should know about SR22 car insurance, which should guide you on how to go about when faced with this requirement.

Know Where to Get an SR22

Not all auto insurance companies will issue an SR22 car insurance certificate. The certificate is a requirement if you are considered high-risk, and some insurers choose not to cover high-risk drivers.

If the state requires you to have the SR22 car insurance certificate, talk to your insurer and find out if they can help you fulfill this requirement. If not, then you will need to find a different insurer. Some insurers have carved a niche by catering to high-risk drivers. Keep in mind that this high-risk element can translate to higher premiums.

It Isn't a Stand-Alone Policy

SR22 insurance sure does sound like a policy, but the truth is that this is not a type of insurance. SR22 car insurance certificate is an endorsement added to your insurance policy. That is to say that you will still need to have an active auto insurance policy before you can get this endorsement.

Succinctly put, an SR22 certificate is simply a document you will need to file with the DMV in order to serve as verification that you do, indeed, have an active auto insurance policy. Situations that will warrant you to have SR22 insurance vary from state to state.

A One-Time Payment

Getting the SR22 insurance certificate isn't too expensive, and you don't have to worry about making recurring payments alongside your auto insurance premiums.

You will pay a one-time application and processing fee when you apply for SR22 car insurance. Once you have paid, your certificate will be valid for the duration of your policy, up until you have to renew it.

Non-Owner SR22 Insurance 

You may still need to get an SR22 insurance certificate even if you don't own a car. If you are looking to have your license reinstated and get back to driving, then be sure to fulfill this requirement.

Check with your auto insurer about the criteria for qualifying for a non-owner's insurance certificate. Apart from not owning a vehicle, you may need to show that there are no other accessible vehicles in your household.

Only eight states don't require high-risk drivers to get SR22 insurance. If you live in a state that does understand what this requirement entails, as highlighted in this post, then you should consider getting this insurance.

For more information on SR22 insurance, contact a professional near you.