subject: Learn What Sr-22 Insurance In South Carolina Really Is [print this page] There can be a few reasons why you may have to have SR22 insurance in South Carolina. Usually, you might be obligated to obtain SR22 insurance for DUI, driving while suspended or driving without being insured.
Before going into more information related to suspension periods, SR22 charges, prices and other criteria, it is really good to fully grasp what SR22 really is. Wrongly, quite a few consumers presume that SR22 is a unique type of insurance policy they have to get. In reality, what SR22 insurance really represents is basically a proof of insurance. All you have to do is instruct your insurance carrier to submit a form to the Department of Motor Vehicles, which states that you have the essential vehicle insurance coverage. A non-owner SR22 car insurance is requested when you need to provide a proof of insurance but you don't have a motor vehicle.
In Sc, SR22 insurance is requested for a time period of 3 years, typically commencing from the end of the suspension period. In the event you get a provisional license, SR22 insurance will also be necessary for six months. The suspension period is determined by the earlier conviction. For Driving Under the Influence:
First Offence - six months
Second Offence - 1 year
3rd Offence - 2 years
Should you have committed four or more violations, your drivers license will be suspended. For a felony Dui you will lose your driving license for 3 years as well as time served in prison.
For driving without insurance the suspension time period is thirty days. If you are driving even though suspended, a new suspension period will be added and it may be from 30 days, or the length of the original suspension, up to three months.
South Carolina SR22 Fees and Auto Insurance Requirements
The reinstatement fee is $100 for every suspension. In rare circumstances a higher amount may be demanded. The minimum limits that you need to obtain vehicle insurance cover are:
BIL -Bodily Injury Lability - $25,000 per person and $50,000 per accident
PDL - Property Damage Liability - $25,000 per accident
Finding Cheap SR22 Insurance in South Carolina
Typically, besides the reinstatement payment, having to hold an evidence of insurance coverage in South carolina translates as excessive vehicle insurance rates. A lot of insurance carriers will probably put you in the "high risk driver" group and it is not really difficult to work out that greater risk means increased monthly payments. However, you should never just accept the fact that for several years you must spend too much for SR22 insurance.
Do not forget that there are some other factors in play, when vehicle insurance premiums are determined, like the make and model of your vehicle, your credit standing and area of residency. You can take a defence driving training and demonstrate that you are a cautious driver. Driving a car less and making use of the trains and buses will reduce your early mileage and insurance cost also.
In spite of everything, the best and most effective thing you can possibly do is to compare SR22 Insurance Quotes on-line. Within just a couple of minutes you will get quotes from different insurance companies. The difference in price is usually surprising. You can even save up to $450!
by: Eddie
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