Choosing Better Insurance Coverage

Few things are more important than having the right insurance coverage. About ten years ago, I was involved in a near-fatal crash where I experienced traumatic physical and emotional injuries. It was really challenging for me to endure the hospital stay and subsequent physical rehabilitation, but with the help of my medical team and my insurance company, I was able to overcome the challenge and completely recover. This blog is all about the importance of choosing the right insurance plan so that you can get on with your life and enjoy those precious years with your family and your friends.

Understanding SR22 Insurance: Why You Might Need It And How To Get It

Insurance Blog

Sometimes, life throws a curveball and you find yourself needing something called SR22 insurance. But what is it? Well, it's a type of vehicle liability document required by most state DMV offices for high-risk insurance policies. It's not actually insurance but proof that you're carrying the state's minimum car insurance requirements.

Reasons You Might Need SR22 Insurance

So, why would someone need SR22 insurance? Here are some common reasons:

Driving Under the Influence (DUI) or Driving While Intoxicated (DWI)

If you've been convicted of a DUI or DWI, there's a good chance you'll need SR22 insurance. It's a way for the state to ensure you're meeting your legal responsibility to carry auto insurance after such a serious offense.

At-Fault Accidents Without Insurance

If you're in an accident where you're at fault and you don't have insurance, the court may require an SR22 from you. Again, it's about ensuring you're covered for any future incidents.

Multiple Traffic Offenses

Too many speeding tickets or other traffic violations can also result in a requirement for SR22 insurance. If you're seen as a high-risk driver, the state wants assurance that you're insured.

License Suspension or Revocation

If your license has been suspended or revoked, you'll likely need SR22 insurance to get it back. The state uses this as a way to keep high-risk drivers accountable.

Getting Your Hands on SR22 Insurance

Now that you know why you might need it, how do you go about getting SR22 insurance? Follow these steps:

Contact Your Insurance Company

First, reach out to your current insurance provider. Some insurers don't offer SR22 filings, so you'll need to find out if yours does. If they don't, you'll have to switch to a provider that does.

Request an SR22 Insurance Quote

If your insurer offers SR22 filings, ask for a quote. Keep in mind your premiums will likely increase because you're considered a high-risk driver.

Purchase the SR22 Policy

Once you've agreed to the terms and the new premium, you can purchase your SR22 policy. Your insurer will then file the SR22 form on your behalf.

Maintain Your Coverage

After you've secured your SR22 insurance, it's crucial that you maintain it for the required period. If your policy lapses, your insurer is required by law to inform the state, which could result in license suspension.

Reach out to an insurance agent in your area to learn more about SR22 insurance


24 October 2023