Tag Archives: SR22A

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.

SR22, Cheap SR22, How to get an SR22, Florida SR22, Ohio SR22

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!

 

What is an SR22?

SR22 Insurance is an insurance policy which is required for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but SR22 insurance policies can vary from one to five years, depending on the violation. When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the insured has met the state’s required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage. If the policy is not maintained or is canceled, the DMV will immediately suspend the driver’s license and may additionally penalize the driver.

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SR22 prices vary widely across insurance carriers; by as much as thousands of dollars for the same coverage. By using a Licensed Insurance Broker to shop multiple companies for you, you can be assured you’re getting the best coverage at the best price.

Select Insurance Group specializes in SR22, FR44, SR22A, and SR50 insurance products. Use our Quoting Engine for FREE, No Obligation Quotes… or call us at 1-855-678-MY SR22 (6977) to speak with a Licensed Insurance Professional.

Green Slips and Pink Slips – Georgia SR22A Insurance

An SR22 (sometimes called “pink slips”) and an SR22a (“green slips”) are known as Financial Responsibility Filings. They are simply a guarantee to the state of Georgia that you have insurance for at least six months, and that it can’t be cancelled for any reason during that period.

If your license has been suspended, the judge can require you to obtain a filing to get your license back, in addition to any fines or requiring Driver Improvement classes.

The SR22 is typically  for drivers with a DUI, a Habitual Violator, or someone with multiple suspensions. It is very uncommon to see an SR22 required in the state of Georgia these days.

The SR22a is by far the more common of the two, and is generally for drivers who have been caught driving without insurance or driving under a suspended license.  The SR22a policy must be paid in full for six months, and cannot be cancelled for any reason.  The court can require you to have it just once, for six months, but occasionally may try to throw the book at someone by requiring a particularly naughty driver to have the SR22a for three years, or six six-month policy terms.

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Because the insurance company cannot cancel the policy for any reason once the slips have been issued, most companies will not permit agents to issue the slips on the spot. They want to confirm the driving record and pull any additional reports before they will issue the slips, so they reserve the right to issue the slips from the home office.

Our office can issue green slips immediately. We can mail them directly to the DMV but it sometimes takes weeks for the DMV to match them up to your driver’s license. Or, you may choose to go to the DMV and let us fax them to you there or take your copy down to the DMV to get your license back. This is by far the fastest way, because they will release your license to you on the spot (provided you’ve met all their other requirements, of course!).

It is not necessary to own a vehicle in order to get an SR22 or SR22a filing. If you need your license back in order to keep a job, you may purchase a special “Non-Owners” policy.

Please call us at 1-855-678-6977 for a no obligation quote on your SR22 or SR22a needs.

What is the Difference Between SR22 and SR22A Insurance?

Georgia SR22 vs. Georgia SR22A

An SR-22 is a document or form required as proof of financial responsibility by the court or under state law for persons convicted of certain traffic violations. It will depend on state laws the reason for the SR-22, certificate of financial responsibility, is needed. For many states it is needed to reinstate a driver’s license, especially if the suspension was for driving without insurance.

Definition of an SR-22  is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. This form is normally 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. Again each state has different variations of this form and requirements.

The SR-22A is similar to an SR22 but only used is a few states. This form is used in Georgia, Texas and Missouri. In Georgia and Texas the SR22A is a type of certificate normally used for repeat violators of financial responsibility laws. These two states required that policies with a SR22a attached to it must be paid in full for a 6 month term. MO calls the SR-22 a certification of liability insurance and the SR-22A a certificate of liability insurance.

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In Georgia, the SR-22A is a term used in Georgia for a GA Responsibility Insurance Certificate; it is similar to a SR-22, except it has further restrictions or is needed under specific circumstance. This financial responsibility filing can be required of a motorist in the state of Georgia if the individual has been convicted of operating a vehicle without liability insurance or other certain traffic infractions. In Georgia, it is usually required for an unsatisfied judgment (SR22A).

For example, if you are trying to reinstate your Georgia license after a suspension due to a second or subsequent conviction of no proof of insurance (unsatisfied judgment) an SR-22A must be filed and maintained for 3 years from the date of the conviction. An insurance company must certify that you have in effect a valid liability insurance policy covering the required time span; said certification should be filed on the SR-22A form.

Both the SR-22 and SR-22A are discussed under Texas Administrative Code Title 37, Part 1, Chapter 25, Rule 25.6. Subsection e of this law states that if the SR-22 (insurance certificate) is required as the result of a security deposit in an accident or default case, it must be accompanied by form SR-22A (certification of a 6 month prepaid liability policy).