An FAQ For Auto Insurance With An SR-22
Getting auto insurance coverage when you're required to have an SR-22 doesn't have to be more complicated than your regular insurance process. Here is a guide to meeting the SR-22 requirement when getting auto insurance.
What Is an SR-22?
An SR-22 is basically a certificate that proves you have insurance coverage. Your state may require you to carry an SR-22 certificate in a few different scenarios. If you have been involved in one or more serious car accidents or traffic violations, this is one instance where an SR-22 might be required. This is especially true if you didn't have adequate insurance at the time of your accident.
How Do I Get an SR-22?
Many insurance companies will help you file an SR-22. When you complete the auto questionnaire, your insurance company might ask if you need an SR-22. Then, the cost of this additional document will be included in your quote. Once you have paid for your insurance policy, your car insurance carrier will file the appropriate evidence with your state to get an SR-22 certificate issued. A lot of time, this certificate needs to be issued upfront, so if you don't see an option to include the SR-22 with your quote, it may be wise to call the office in person.
Is there Anything Different About Shopping for Insurance?
When you need an SR-22, the process for finding the right auto insurance coverage is much the same. You will simply need to include the fees of the SR-22 with your total rate quote. And some insurance carriers will ask you to pay for your full 6 month insurance plan upfront if they are going to issue you an SR-22. But, you can often get better insurance rates when paying for your plan upfront, so doing so can actually help to offset the additional costs of getting an SR-22.
How Long Do I Need an SR-22?
Finally, note that you won't need to keep an SR-22 on file forever. The infractions on your driving record may last for several years, but once they're off your record, you state might drop your SR-22 requirement. Check with your licensing department to learn about your individual situation.
In short, the process for getting an SR-22 along with your auto coverage can be a snap in your process to choose the right auto insurance carrier such as AALL Insurance. Be sure to ask whether any auto insurance provider you consider is willing to help with SR-22 insurance before you begin.
Share