What You Should Know About SR-22 Insurance
SR-22 insurance is a certificate that is required of a driver whose license has been suspended for DUI and other serious offenses. It is a certificate of economic responsibility that supports you as a requirement of car insurance in your city. This also guarantees that you will continue to meet these requirements for at least the next 3 years.
With the SR-22 you clarify to the authorities that you have auto insurance that meets the requirements within the state. Although it is not fully insured, some companies refer to it by that name because it supports you when your license has been suspended.
Which States Do Not Require an SR-22?
Despite the importance of this insurance, in the United States, there are several states where it is not required by law. As they are: New York, Delaware, Minnesota, North Carolina, Kentucky, and Pennsylvania. Although each of the states has particular requirements that must be met.
When Do I Need SR-22 Insurance?
The judge will be the person who determines whether or not you will need SR-22 insurance that allows you to drive normally while your license is withdrawn. This after having committed an offense or accident such as DWI and DUI. Severe car accidents or many negative points on your license also make you an SR-22 candidate. In short, if you have a serious violation while driving, then an SR-22 is required.
In most cities in the United States, the minimum time required to maintain an SR-22 range from two to five years. Everything will depend on the state in which you live and the fault you committed while driving. But during those years the driver mustn’t commit another serious offense.
Also, some cities require the insurance company to file the form for you. Ask if the insurance includes the SR-22 since some companies grant it at an additional cost.
What Is the Cost of SR-22 Insurance?
Some companies include the SR-22 in their full auto insurance coverage, but when they don’t, you can find it for as little as $25. But often this form can increase the total price of insurance. For this reason, it is important to make a comparison in auto insurance before selecting the indicated one.