Insurance if for people who want to prepare themselves for the unexpected. SR22 insurance is not much widely known but is very important for vehicle drivers. It is a kind of car insurance which we will explain below.
If you want to prove that you carry car insurance, then you need an SR22 insurance certificate. It can also be referred to as an SR22 car insurance or a certificate of financial responsibility filing. Every state requires car owners or driver to purchase insurance coverage for a specified period of time, and your compliance with this requirement is shown by your SR22 certificate.
Here are some of the violations that will require you to have an SR22 coverage. SR22 is required for DUI or DWI, at-fault accidents, driving with a suspended license, driving without insurance coverage, and more.
While SR22 is not a car insurance itself, what it simply means is that you are complying with the state’s car insurance minimum requirements. When your provider gives you an SR22 certificate, then he is certifying that your driving is covered by insurance.
When you get your car insurance policy, it sometimes comes with a free SR22 certification. But other car insurance companies charge a certain fee for an SR22.
The requirements for SR22 insurance coverage varies for every state. However, it is actually enough to purchase a car insurance policy to be able to acquire an SR22 coverage. Only your driver’s license number or any other identification number for filing is required if you file for insurance in your state.
Today, it is very fast and convenient to get an SR22 online. You can apply online and they will send your SR22 electronically which you will receive on the same day. You can also get additional coverage options added to your policy online.
Most states require drivers to have SR22 coverage along with their insurance policy for about three years. Make sure you check your state requirements for this.
Once the SR22 expires, it is your insurance company that contacts the DMV. Depending on your state, you can lose your driver’s license and many other consequences upon the expiration of your SR22. But you can prevent and SR26 from being sent to the state this by making payments of time. This cancels the SR22.
SR22 certificates come in three types. You need an operator’s certificate if the car you are driving is not your own but is rented or borrowed. This certificate can be used as a non-owners car insurance policy. If you own and drive your own car then you need the owner’s certification. If you own and drive your own car but on occasion borrow or rent one, then it is best to get the operator/owner form which is a combination of the two.