Three Questions You May Have About SR-22 Insurance

If you plan on driving a car, having car insurance is necessary for both following the law and your own financial security. However, it is possible that a run-in with the law has caused you to need SR-22 insurance. This type of insurance is likely completely unfamiliar to you, which is why you may have questions about it.

What Is SR-22 Insurance?

Many people assume that SR-22 insurance is a different type of car insurance. However, it is not an insurance policy in the traditional sense, and still requires you to have a standard car insurance policy. You likely need SR-22 insurance because you are considered an at-risk driver due to breaking the law in some form. In order to get car insurance again, the car insurance company you go through will request that you buy the SR-22 insurance for additional protection.

When you purchase SR-22 insurance from your insurance provider, they will file the necessary paperwork with your state that says you have both an auto insurance policy and SR-22 insurance. This can help you get your license back from the DMV so you can get back on the road once again.

What Traffic Law Violations Require SR-22 Insurance?

It is likely that SR-22 insurance will be required if you've violated major traffic laws, such as driving under the influence of alcohol or another drug. SR-22 insurance can also be required for other traffic violations as well. If you have an excessive amount of speeding tickets, especially if they happened within quick succession, SR-22 insurance may be required because you are viewed as a risky driver.

How Will Your Insurance Premiums Be Affected By SR-22 Insurance?

While it's true that SR-22 insurance will make your total insurance costs more expensive, the changes will not be permanent. You'll have to pay for the additional SR-22 insurance in addition to your higher premiums due to receiving a moving violation, but those prices will eventually come down over time. By having a clean driving record, you'll eventually not need SR-22 insurance anymore, and your insurance premium will go down by not getting into accidents or getting a ticket.

It can be a challenge to figure out all you need to know about SR-22 filing when you need this insurance for the first time. Don't hesitate to call a local car insurance provider so that they can answer questions that you have about getting this important type of insurance.