SR‑22 Frequently Asked Questions
Navigating insurance options can sometimes feel overwhelming, especially when it comes to SR-22 insurance. Whether you know someone who needed it or you are that person, we aim to clear up any questions you may have. This resource addresses the most common inquiries about SR-22 insurance. For information not listed here, please reach out to our dedicated team for personalized assistance. Let's make understanding SR-22 insurance easy and stress-free!
What is SR‑22 Insurance?
SR-22 insurance is a document produced by an insurance company and filed with the Department of Motor Vehicles (DMV) to verify that a driver has the minimum liability coverage required by their state's laws. It is typically required for drivers who have had their licenses suspended or revoked due to car accidents, speeding, or driving while intoxicated. The "SR" in SR-22 stands for "safety responsibility," and while it is not insurance itself, it serves as a certificate proving that the driver has adequate auto liability insurance.
Who Needs SR-22 Insurance?
Individuals who typically need SR-22 insurance are those who have been convicted of serious driving violations, such as DUI/DWI, reckless driving, driving without insurance, driving without a license or with an expired one, or accumulating multiple traffic offenses within a short period.
When is SR-22 Insurance Required?
SR-22 is often necessary when someone has committed serious driving offenses, like driving without insurance, getting a DUI violation, or having their license suspended due to multiple DUI violations. It acts as proof that the driver can cover at least some damage should they get into an accident. Without an SR-22, individuals with suspended licenses or certain violations may not be allowed to drive legally until they fulfill this requirement.
How Does SR-22 Insurance Work?
When you need an SR-22, you'll typically contact your insurance provider, inform them of your requirement, and they will assist you in filing the necessary paperwork with your state's Department of Motor Vehicles (DMV) or equivalent agency. This form proves to the state that you're financially responsible and have the required insurance coverage. It's important to keep your SR-22 current and maintain non-stop coverage throughout the required period, usually a few years, as any lapses or cancellations could lead to penalties or even the loss of driving privileges.
How Can I Get SR-22 Insurance?
Most car insurance companies can help with SR-22 forms, but not all offer SR-22 insurance. It's important to find an insurer that specializes in high-risk coverage to ensure you get the best rates and service. Companies like Breathe Easy are dedicated to finding fair prices and providing personalized help.
Can I Purchase SR-22 Insurance Online?
Yes, you can purchase SR-22 insurance online. Many insurance companies offer the option to buy SR-22 policies through their websites. This method provides convenience and quick access to policies, allowing you to complete the purchase from the comfort of your home.
Is it Better to Buy SR-22 Insurance Online or Through an Agent?
Whether it is better to buy SR-22 insurance online or through an agent depends on your personal preferences and needs. Buying online offers convenience and speed, but you might not know the exact fee until the purchase is complete, as fees can vary by state. Buying through an agent provides immediate clarity on costs and personalized advice tailored to your situation. Agents can also help navigate any complexities and ensure all paperwork is correctly filed with the state.
Frequently Asked Questions
Can I get SR-22 Insurance Without a Car?
Yes, Breathe Easy can provide non-owners policies, which are designed for individuals who need to fulfill the SR-22 requirement but don't own or have regular access to a specific vehicle. A non-owner’s policy provides liability coverage when you occasionally drive a car that you don't own, such as a rental or a friend's borrowed vehicle.
Is SR-22 insurance a separate policy?
No, SR-22 insurance is not a separate policy but rather a certificate attached to your existing auto insurance policy. It serves as proof of financial responsibility and is submitted to the state by your insurance carrier.
How Much Does SR-22 Cost?
The cost of SR-22 insurance can vary widely based on factors like your driving history, location, and the insurance company you choose. On average, the SR-22 filing itself can range from $15 to $50 per month. However, the actual total cost increases significantly due to higher premium rates after a DUI or similar violation, as drivers required to file an SR-22 are classified as high-risk. This classification leads to much higher premiums compared to a standard insurance policy. Additionally, you may still face higher premiums even after the SR-22 requirement has been lifted.
Why is SR-22 Insurance Expensive?
SR-22 insurance tends to be more expensive than standard insurance because it's often required for high-risk drivers. Insurance companies see such drivers as more likely to file or cause the filing of claims, leading to higher premiums. Additionally, the administrative costs of filing and monitoring SR-22 forms add to the overall expense.
Will SR-22 Raise my Insurance Rates?
Yes, getting an SR-22 might cause your insurance premiums to go up. The increase is not due to the SR-22 itself but because of the serious driving violations that led to needing the SR-22, like DUIs or multiple traffic offenses. Because of this higher risk, insurers may raise your rates to balance out the added cost of covering you. Comparing quotes from different insurance companies and maintaining a good driving record over time can help manage these increased costs.
Who Sells SR-22 Insurance?
SR-22 insurance is sold by many insurance companies, but not all of them offer this service or do so at a competitive rate. Some may even price their policies so high that SR-22 customers will leave and become customers elsewhere. Breathe Easy specializes in SR-22 insurance, providing tailored coverage for individuals who need to fulfill SR-22 requirements.
Can I Switch Insurance Companies with an SR-22?
Yes, you can switch insurance companies while maintaining your SR-22 status. However, it's essential to ensure that your new insurer is willing to file the SR-22 certificate with the state on your behalf. Breathe Easy can help you transition from your previous policy to one that’s a perfect fit for someone working to overcome a DUI/DWI.
Where Can I Get SR-22 Insurance Near Me?
You don’t need to leave your home to get just the right SR-22 policy. Just call Breathe Easy at 833-786-0237. No scheduled office visits, and no awkward video conferences. Just call us to talk to a licensed insurance agent who can get you the SR-22 or FR-44 coverage you need.
When Should I Get SR-22 Insurance?
You should get SR-22 insurance as soon as possible after being notified by your state's Department of Motor Vehicles (DMV) or relevant authority that you need it. Delaying getting SR-22 insurance can prolong your license suspension or lead to further penalties. By obtaining SR-22 insurance promptly, you demonstrate compliance with legal requirements and take the necessary steps toward reinstating your driving privileges.
What happens if I let my SR-22 policy lapse?
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
How Long Do I Need to Have SR-22 Insurance?
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
