Everything You Need To Prepare To Get Your SR-22 Policy

Everything You Need To Prepare To Get Your SR-22 Policy

You are not a “bad driver” if you are obliged to submit an SR-22, but you are a high-risk driver. There are several frequent reasons why you may be classified as a high-risk driver and require an SR-22 filing. A DUI conviction, for example, or a failure to pay court-ordered child support might bring you in SR-22 territory. If your state has told you that you need an SR-22, you’re undoubtedly wondering how to get one and when you’ll be able to get out from under it. To help you, here is everything you need to prepare to get your SR-22 policy.

Who Needs an SR-22?

A court or state often orders an SR-22. The judge will either notify you or your state DMV will send you a letter. You may be obliged to file an SR-22 for the following reasons:

  • A conviction for driving while inebriated or under the influence of drugs.
  • Repeat traffic crimes or serious traffic offenses (such as reckless driving).
  • Too many automobile collisions.
  • Driving without insurance and causing an accident.
  • Revocation or suspension of your driver’s license.
  • Having a hardship license, such as a temporary license that limits your driving hours due to a revocation or suspension of your license.
  • Defaulting on a court-ordered child support obligation.

How To Get a Cheap SR-22 Insurance Quote

The problem that led to your SR-22 requirement will affect your auto insurance premiums, but not all car insurance companies regard these issues the same. A DUI conviction, for example, may cost you a few hundred dollars more with one insurer but thousands of dollars more with another. That is why comparing vehicle insurance rates from various companies is critical. Free quotations are available online or from an independent insurance agent.

How Do I Get an SR-22?

You’ll need auto insurance before you get an SR-22 because it’s a document that proves you have the state’s minimum necessary car insurance. Your insurer can file the document with your state if you already have car insurance. You’ll have to pay a price for this service. Also, not all vehicle insurance companies will do an SR-22, so you might have to transfer providers. If you need to purchase car insurance, you must inform the insurer of the SR-22 requirement. “Do you require an SR-22 or Certificate of Financial Responsibility?” should be a question on the policy application. If your new insurer accepts SR-22 drivers, they will file the SR-22 on your behalf (for a cost).

How Long Do I Need To Have an SR-22?

The SR-22 regulations vary by state, but in general, you must keep both your SR-22 and your car insurance coverage for at least three years. Here are a few things to remember:

  • If you fail to comply with the provisions of an SR-22, your driver’s license may be suspended.
  • Your insurance company must notify your state’s DMV if your automobile insurance coverage lapses or expires during the duration of your SR-22. Until you receive an insurance reinstatement, your license will be suspended.
  • Your SR-22 status will be withdrawn if you have met the terms of the SR-22 for the required period.

We hope you have enjoyed our article covering everything you need to prepare to get your SR-22 policy! If you are looking to purchase an SR22 insurance policy for Colorado, be sure to reach out to Serenity Group today!