SR 22 Car Insurance Guide

You might not be interested about SR 22 until you have problems with the law.  It is not literary an insurance type, but rather a certificate. Check the following SR 22 guide and get quotes from our own website. We work with top automobile insurance companies.

sr-22-hm_pg_img-350x200First of all, let’s start with the basics. SR-22 is a certificate of financial responsibility and verifies that the named individual is carrying at least the state-mandated amount of car insurance. This certificate is your state’s way of making sure that you permanently are covered.  If you do not keep SR 22 active, then your insurance company will notify the authorities. And the penalties will be unpleasant.

SR 22 car insurance is a penalty for getting caught breaking a traffic law. It could be you were caught driving without car insurance, drinking and driving, reckless driving, or other serious traffic offenses. This is why we said at the start of the post that you might be not interested unless you have disobeyed the law.

If you have to fill a SR 22, then you should ask your company for options. Keep in mind that not all companies work with people that have to fill in the SR 22 form. They are considered high risk drivers. So, do not be surprised if your carrier decides to drop you if you notify about the form. If you cannot get understanding, look for high risk insurance companies.

If you need a SR-22 and your current insurer does not provide it, then check if you can buy a SR-22 non-owner policy with a second company.  Your original policy would be your primary and your SR-22 policy would allow you to get your required SR-22 filed with the state, but without switching your primary insurer.  The SR-22 car insurance provider will ask you to buy the same limits of liability that are on your primary policy.

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