subject: Facts about SR 22 Car Insurance [print this page] Facts about SR 22 Car Insurance
What is SR22 Insurance?
SR22 insurance is a financial responsibility insurance required by any motorist after their license has been suspended or revoked. This SR22 form allows the reinstated driver the ability to get the needed auto insurance coverage and has to be filed either by the insurance company or the driver himself with the State's department of motor vehicles or DMV. The SR22 is usually kept on file long after licenses have be reinstated and can sometimes take up to 3 years to determine whether the driver can apply for standard insurance rates. The filing of an SR22 form is needed by those who are considered high risk drivers. The requirements for SR22 varies from State to State; the information regarding can be found through the states DMV.
Who is at risk for SR22?
In most cases, a motorist under a suspended or revoked license needs to file SR22 to obtain auto coverage so that they do not drive uninsured. Drivers can be at risk to file for SR22 if they have many offenses or points on their driving record and licenses. Having multiple speeding tickets or an infraction that includes being stopped or pulled over by the police for no proof of insurance may have people filing for an SR22. Anyone who has had a DUI or DWI against them will need to file an SR22 after their licenses have been reinstated. Because of these offenses towards the driving history, a record of SR22 is filed in the states department of motor vehicles for a period of time. Those who have cleaning driving records do not have to file SR22 forms.
Where can you find SR22?
SR22 forms and SR22 insurance rates can be found online or by asking around to friends or family. Since a lot of people at one point in time have to file for SR22, finding the resources to file and get insurance is simple. SR22 is not necessarily going to be inexpensive but comparing rates will help the motorist find the lowest insurance prices. Fortunately, most insurance companies have the option to file the form from them and will offer you as a motorist the best and lowest rates to choose. By searching online, you can then compare the rates from several companies that offer SR22 insurance. Expect to file the SR22 for years to come until your driving record returns to normal or until you can prove that you are no longer a high risk driver. Be aware that if your record worsens you will have to continue to file SR22 on a yearly basis.
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