SR-22 Insurance: An Overview

If you're currently working on getting your driver's license reinstated, you may have come across information regarding an SR-22. The SR-22 is an important document that can assist you in getting back on the road, but there's a few things to know about the SR-22 before filing it. Below is an overview of the document, an explanation of who's required to carry it, and how it can affect your car insurance policy.

What is an SR-22?

An SR-22 is a state-mandated form that is used for high-risk drivers.

This form is used as an attachment to insurance policies, and it allows the state's department of motor vehicles to track your insurance information. An SR-22 can usually be filed in lieu of a hefty safety deposit, and can be used as a way for high-risk drivers to show responsibility.

Who is Required to Carry SR-22 Insurance?

There are a number of offenses that may require you to carry SR-22 insurance, though the most common include driving without insurance and driving under the influence.

Essentially, any kind of driving offense that shows a lack of responsibility on the driver's part can cause the driver to be required by a judge or the state's department of motor vehicles to file an SR-22 form in order to regain their driving privileges. Of course, this doesn't mean that an SR-22 form is the only way to have your license reinstated, but it's usually the cheapest and quickest option available. Keep in mind, however, that not all states require SR-22 forms or offer them as an option.

How Will an SR-22 Affect My Insurance Rates?

An SR-22 form is a signal to insurance companies that you're a high-risk driver, so you'll likely be required to pay higher premiums than a driver without an SR-22 form.

Fortunately, SR-22 forms are not a permanent requirement, though the number of years you may be required to carry one will depend on your state and your offense. The average minimum, however, is three years. And, while your insurance premiums will likely be higher for the duration of an SR-22 filing, if you prove yourself as a good driver during that time, your insurance premiums likely won't suffer any lasting effects.

If you're dealing with license suspension and are looking for ways to have your license reinstated, consider asking your state's department of motor vehicles whether an SR-22 form will provide them with the proof they need to reinstate your license, and then ask your insurance company about filing the SR-22 form.

For more information, contact Angel Auto Insurance or a similar company.