What Is An SR-22 And What Does It Cover

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What Is An SR-22 And What Does It Cover

Cheapquotesautoinsurance.com is a top auto insurance brokerage website, providing car insurance quotes online from trustworthy agencies all over the United States. This website offers car insurance info about different coverage types and money saving tips.

A good driver, who stays out of problems, will never have to deal with the dreaded SR-22 or similar forms.  In Florida and Virginia, a similar form is FR-44. When getting online car insurance quotes, all questionnaires will ask if the user has SR-22 or similar forms. If the answer is yes, expect more expensive premiums.

SR22 is not a type of insurance. It is a form an insurance company has to fill out and file to prove to the government that its client is adequately insured. The insurance company will also keep the state update on the client's car insurance policy renewals and cancellations. The state usually requires this filing for a few years after a conviction/license suspension/revocation. In this way, the state checks if a person is in good standing with his carrier.

An SR-22 is ordered by a state court. If it's court-ordered, the judge will inform the driver at the hearing. If it's state-ordered, the driver will get a letter from the department (or bureau) of motor vehicles.

Reasons for receiving SR-22:

DUI or DWI conviction

Driving without enough insurance

Too many at-fault accidents or violations

Repeat offenses in a short time frame (for example, three or more speeding tickets within six months)

Hardship license (issued for temporary driving needs, normally to and from work, because the driver's license has been suspended or revoked).

SR-22 can be bought from insurance agencies. If possible, ask the current insurer about issuing an SR-22. Keep in mind that having this form will likely make a driver be considered high-risk. Many companies will reject the request. In this case, the driver should look for non-standard carriers, specialized in dealing with high-risk drivers.

As expected, premiums will be very high. The high cost is caused by the traffic violation, rather than the actual state filing fee. An SR-22 costs about $25 to file, though the cost may vary by state and insurance company. In some states, the driver will have to pay that up front, while in some states, the insurance companies can include this cost in the first premium.

To find out the exact length of time a driver needs to carry an SR-22, he should contact the local DMV. However, in most states, the period of time is three years. Inform the insurer when SR-22 is no longer needed. If the policy cancels or lapses while carrying an SR-22, the insurance company will alert the DMV and client's license will be suspended.

"SR-22 form is needed if you are trying to get your license back. It will show the authorities that you keep your auto insurance in good standing all the time", said Russell Rabichev, Marketing Director of Internet Marketing Company.

Cheapquotesautoinsurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://cheapquotesautoinsurance.com

Media Contact: Russell Rabichev, Internet Marketing Company, 8183593898, russellr@gmail.com

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SOURCE Cheapquotesautoinsurance.com

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