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SR22 by Legacy Insurance

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SR22 provided by Legacy Insurance

An SR22 is a vehicle liability insurance document required by most state Department of Motor Vehicles offices for “high-risk” insurance policies. An SR22 is not an insurance policy but a filing, or an add-on, that is added to a personal automobile liability insurance policy. 

What is an SR22 ?

An SR22 is a certificate of financial responsibility required for some drivers by their state or court order. An SR22 is not an actual “type” of insurance but a form filed with your state. This form serves as proof your auto insurance policy meets the minimum liability coverage required by state law. Not everyone needs an SR22/FR44. Regulations vary from state to state. Usually, it is required by the court or mandated by the state only for certain driving-related violations. For example:

 

  • DUI convictions
  • Reckless driving
  • Accidents caused by uninsured drivers

If you need an SR22/FR44, the courts or your state Motor Vehicle Department will notify you.

The benefits of getting an SR22

Removes Restrictions

A major SR22 insurance benefit is that it doesn’t restrict the driving privileges of a person with prior driving offenses. Most insurance companies will deny insurance to someone who has multiple speeding tickets or has been in multiple accidents. SR22 insurance prevents discrimination based on your driving history.

Hassle-Free

Many insurance companies will allow you to purchase a policy online. This is ideal for those who are unfamiliar with the process of obtaining an insurance policy. The benefit is that you will have the opportunity to compare the different policies and premiums from various companies before making your decision.

Peace Of Mind

One of the most important benefits of SR22 insurance is that it offers you peace of mind, especially if you’ve had driving offenses in the past. When you purchase this type of insurance, you will be covered in case of an automobile accident.

How much does an SR22 cost?

The cost of an SR22 varies between insurance companies. However, an individual can expect an average of $300 to $800, depending on personal driving history, age, driving experience, marital status, and place of residence. 

The certificate itself is not the only cost. SR22 insurance clients also inevitably pay higher premiums for their minimum liability coverage. This is because they are now considered high-risk drivers. Some insurance companies even require high-risk drivers to pay for the entire coverage period at one time. This can be a considerable financial obligation for many. 

Another fee associated with SR22 is the filing fee. Individual insurance companies will charge between $25 and $50 to file an SR22 with the DMV properly. Further, if a driver has complied with all SR22 requirements, the DMV can charge more than $125 to reissue a driver’s license and reinstate driving privileges.

Already have SR22? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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