Tag Archives: cheap sr22 insurance

How Do I Get An SR22?

What Is An SR22?

While there are many reasons you would be required to obtain an SR22 in your State, some of the most common are: Driving under the influence (DUI, DWI, DWA), At Fault in an accident while driving without insurance, Multiple traffic offenses, most any suspension related to a traffic violation. In these cases, most States will require you to show future financial responsibility by having SR22 insurance. SR22 insurance can be purchased by a licensed insurance company in your state. The form shows the state that you have minimum liability limits for auto insurance. Policies are generally purchased in 6 month segments and can usually be paid for on a monthly basis to keep payments manageable.

Types of SR22 Policies

Basically there are two options; an Owner’s Policy and a Non-Owner’s Policy. The Owner’s Policy means we’ll add a vehicle to your policy. Conversely, the Non-Owner’s Policy means we won’t add a vehicle to your policy. Prefereably, from a financial perspective, we want to try to keep an automobile OFF of your policy. The reason for this is simply by virtue of needing an SR22, the insurance company is going to assume you’re a “High Risk” driver. Therefore, your insurance rates on that vehicle are going to be “Less Than Reasonable”. There are legitimate ways to keep a vehicle off of your policy and we can discuss those over the phone as each situation is unique. You can also legally get a Non-Owner’s Policy if you currently have “regular”  insurance on your vehicle through another company.

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Getting an SR22

Let’s just get this out there… It’s not going to be cheap in many cases. However, it’s often cheaper than anticipated. If we’re being honest, the requirement to obtain an SR22 is a punishment… it’s not supposed to be pleasant. Finding an agency to shop insurance rates is the best way to keep costs down.

You really shouldn’t make this more difficult than it has to be though. If you contact a reputable Insurance Broker, one that is familiar with the SR22 market, they handle all of the paperwork for you. They obtain the policy, email your cards and policy declaration, contact the DMV in your State and notify them of your compliance, etc. There’s nothing for you to do outside of provide the necessary contact information and pay for the policy.

So, while we hope to make the process as painless as possible, this is a business where we hope we never see a client more than once. Simply do your “time”, usually 2 or 3 years, and move on. From a compliance standpoint, leave that to us… it’s what we do. Call us today at 1-855-678-MY SR22 (1-855-678-6977) or access our Quoting Engine to search for the Lowest SR22 Rates in the State.

Select Insurance Group Specializes in FR44, SR22, SR50 and SR22A insurance products. With thousands of policies sold across the United States, Select Insurance Group has the resources, experience, and customer support to find you the right product at the lowest price. As Insurance Brokers, we’re not tied to any specific company. Our objective is to find the right product that matches your legal requirements and budget. Select Insurance Group routinely finds policies that are thousands of dollars less than competing quotes… simply by shopping the market at the time of purchase. Let Select Insurance Group find you the lowest price on your today! Call Now or enter your information into our Quoting Engine!

 

SR22 Insurance – What is it?

SR22 Explained

An SR22 is a certificate or document required, as proof of financial responsibility by the court or under state law, for persons convicted of specific traffic violations. The SR22 is not insurance, it is a certification that an auto insurance policy is in effect for a certain individual. This is the legal proof that courts need to show someone is complying with state financial responsibility laws. Insurers are allowed to charge a reasonable processing fee for filing SR22s. Insurers are not required to provide SR22s or may elect to offer them in one state and not another.

The Definition of an SR-22 is a form which must be filed by the insurance company stating that auto liability insurance (or bonding in Ohio) is in effect for a particular individual. Required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and requirements.”

Long story short, someone got caught driving without insurance or the courts suspect they are or will be based on poor behavior (DUIs, reckless driving) .

SR22s are state specific and the requirements in one state may not apply in another state. At the time this was written, the following states do NOT require SR-22. Please check with your local state laws to ensure the accuracy of the most current laws:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

Handcuff Picture

However, if you were issued an SR22 while you were in another state, then you are required to continue the SR22 guidelines (in the state where you received the SR22). If you currently carry an SR22 in one state but move to another state, you must fulfill the SR22 filing period for your former state, even though you no longer reside there. Also, your insurance policy for your new state must have liability limits which meet the minimums required by law in your former (SR22) state. You can only get an SR-2 form from an insurance company that is filed with the state to issue SR22s.

Example A:

Let’s say that you got an SR-22 while you were in Florida, but then you move to Delaware.  In this case, you will need to follow the SR-22 requirements in Florida, until you have completed the full amount of time required by Florida.  You will still get insurance for Delaware, but you will need to continue filing in Florida.

Example B:

Let’s turn the tables now.  Let’s say that while you were living in Delaware, you were issued an SR22.  Then you decide to move to Florida.  Florida will not require you to have an SR22.

You might want to be aware that some states charge to file SR-22′s.

SR22a Forms: Similar to an SR22; there are used in Georgia, Texas and Missouri. In Georgia & Texas these are certifications used for repeat violators of financial responsibility laws. SR22a in GA & TX must be paid in guaranteed funds and policies must be paid in full for a 6 month term. In Missouri, SR22a are used for policies where drivers on a policy are restricted to only driving certain cars.

SR22 Bonding: Very common in Ohio and other states that allow bonding in lieu of insurance. Drivers are told by the courts to secure a SR22 bond, go to an agency, ask for a SR22 bond and that’s what they get, a bond. It’s important to note the difference between a insurance policy and a bond; when an at-fault accident occurs, the insurance policy will absorb the cost, the bond will pay the cost and then request repayment from the bond holder. Sort of like a line of credit for the driver that must be repaid. This comes as quite a shock to most drivers who think they’re insured.

SR26 Forms: A filing done by insurance companies to cancel a SR22 or SR22a. Most states require notice in advance (usually 10 days) when a SR22 is being canceled. To avoid mix ups in SR22/SR26 filings, it a GOOD idea to get your insurance bills paid ON TIME.