Using a cell phone or other electronic device while driving has led to an increase in distracted driving accidents nationwide. Cell phones have become an indispensable part of our lives. But studies have shown that any use of a cell phone to read, write or send messages while operating a vehicle is six times more dangerous than drunk driving.
Distracted Driving and SR22 Insurance
Many states are considering and enacting distracted driving laws. This is in response to the widespread use of cell phones and other electronics while driving. Texting and driving in particular is more likely to result in accidents than DUI or DWI by alcohol or drugs. Repeat distracted driving offenses can result in loss of your drivers license, requiring you to buy SR22 insurance for reinstatement.
South Carolina SR22 Insurance Cost
South Carolina SR22 insurance cost is a concern when you need high risk insurance for license reinstatement. The factors considered in determining your SR22 cost are similar, regardless of the insurance company that files your SR22 certificate. These factors vary from person to person.
One of the most common questions we’re asked about license reinstatement is, “what is my South Carolina SR22 insurance cost per month?” The cost can be anywhere between $60 to several hundred dollars per month. Your cost will be lower for a non owner SR22 insurance policy, and higher if you own a vehicle or want full coverage insurance. If your suspension is for a DUI offense, you’ll pay much higher premiums for South Carolina SR22 insurance.
SR22 Colorado
SR22 Colorado is a certificate of financial responsibility form the state requires for license reinstatement. An insurance provider attaches this form to an insurance policy. To ensure your policy stays current, the issuing insurance company monitors it during the time the state requires you to carry it. When you own a vehicle, the SR22 form is an endorsement to your auto insurance policy. If you don’t own a car, the form is a rider to a non-owner insurance policy.
Certain traffic offenses and violations of Colorado DUI laws can result in suspension of your driver’s license. To reinstate your license, you’ll have to file an SR22 Colorado certificate with the DOR. You probably have many questions come to mind after a driver’s license suspension.
SR22 Maine
SR22 Maine is a certificate of financial responsibility. When you file the certificate with the state, it’s considered a guarantee of liability insurance coverage for a specific time. An SR22 certificate allows you to drive legally, as long as the insurance policy it’s tied to is kept in force.
To reinstate your license, the Maine Bureau of Motor Vehicles (BMV) requires you to file an SR22 Maine certificate when you become eligible. Common reasons for license suspensions include:
SR22 Oregon
The most common reason people require SR22 Oregon insurance is to reinstate their driving privileges after license suspension. SR22 insurance is required for various reasons, most of them due to motor vehicle violations. Sometimes a court will require someone to carry SR22 insurance in connection with other legal matters. You can file an SR22 certificate if you own a vehicle or not.
When you’re eligible for license reinstatement, UltraCar Insurance quickly files an SR22 Oregon insurance certificate with the Oregon DMV. The SR22 document is also called a Uniform Financial Responsibility Form.
Non Owner SR22 vs SR22 Insurance
When do you need non-owner SR22 vs SR22 insurance? It depends on whether you own a vehicle or not. There are differences in coverage between each type of SR22. Non-owner SR22 does not insure a vehicle, while SR22 insurance is an endorsement to an auto insurance policy. The most common reason to buy SR22 insurance is to reinstate your driver’s license.
What’s the difference between non owner SR22 vs SR22 insurance? You’ll use SR22 insurance if you own a vehicle, and SR22 non owner insurance if you don’t.
State DMV Offices List
The list below includes links to the websites of 34 state DMV offices. These are the states where UltraCar Insurance is licensed to sell high-risk insurance. When you need SR22 or FR44 insurance, getting accurate information is essential. You can learn about the license suspension and reinstatement procedures in your state on these official websites. In many cases, you can also find information about your state DMV record, state’s motor vehicle laws, regulations, and other resources.
Are you wondering where to turn to start the process of driver’s license reinstatement? Our alphabetical list of links to state DMV offices is a starting point for you. Once you’re on your state’s DMV website, follow internal links or enter a search for the information you want. These sites usually provide information about:
- Motor vehicle laws & regulations
- License suspension & reinstatement procedures
- State motor vehicle forms
- How to obtain information about your DMV record
The function of most state DMV offices is to record vehicle registration and titles and issue driver permits, licenses, and license plate renewals. Some states use names and acronyms other than “Department of Motor Vehicles / DMV”. However, DMV is the most recognized term used to find motor vehicle and licensing information.
Most state DMV offices‘ websites contain helpful information about license suspension and reinstatement procedures. The knowledgeable agents of UltraCar Insurance are also a great resource to answer your questions. We’re licensed to provide SR22 insurance in 34 states, and we offer Florida FR44, Virginia FR44, and motorcycle insurance. You can get an owner certificate if you own a vehicle, or a non-owner certificate if you don’t. Call us today or click the quote button for an SR22 or FR44 insurance quote and quick filing of your financial responsibility form!
Alabama ALEA & DOR
https://www.alea.gov/dps/driver-license
https://revenue.alabama.gov/motor-vehicle/
Arizona DOT
https://azdot.gov/motor-vehicles/driver-services
Arkansas DFA
https://www.dfa.arkansas.gov/driver-services
California DMV
https://www.dmv.ca.gov/portal
Colorado DOR
https://dmv.colorado.gov/drivers
Florida HSMV
https://www.flhsmv.gov/
Georgia DMV
https://www.dds.ga.gov/
Idaho DMV
http://itd.idaho.gov/itddmv/
Illinois DMV
https://www.ilsos.gov/departments/drivers/drivers_license/home.html
Indiana BMV
https://www.in.gov/bmv/
Iowa DOT
https://iowadot.gov/DriversVehicles#LicensedDrivers
Kansas DOV
https://www.ksrevenue.gov/dovindex.html
Louisiana OMV
https://www.expresslane.org/drivers/#gsc.tab=0
Massachusetts RMV
https://www.mass.gov/orgs/massachusetts-registry-of-motor-vehicles
Maine BMV
http://www.maine.gov/sos/bmv/licenses/
Michigan DMV
http://www.michigan.gov/sos/0,4670,7-127-1627_8669_9040_9042_47086—,00.html
Minnesota DMV
https://dps.mn.gov/divisions/dvs/Pages/drivers-license-information.aspx
Missouri DMV
http://dor.mo.gov/drivers/
Mississippi DMV
https://www.driverservicebureau.dps.ms.gov/
Nebraska DMV
http://www.dmv.nebraska.gov/examining
Nevada DMV
https://dmv.nv.gov/nvdl.htm
North Carolina DMV
https://www.ncdot.gov/dmv/driver/
North Dakota DMV
https://www.dot.nd.gov/divisions/driverslicense/recordservices-suspensions.htm
Ohio BMV
https://www.bmv.ohio.gov/driver-license.aspx
Oregon DMV
https://www.oregon.gov/ODOT/DMV/pages/driverid/index.aspx
Rhode Island DMV
https://dmv.ri.gov/
South Carolina DMV
http://www.scdmvonline.com/Driver-Services
Tennessee DMV
https://www.tn.gov/safety/driver-services/online.html
Texas DPS
https://www.dps.texas.gov/section/driver-license/
Utah DPS
https://dld.utah.gov/other-resources
Vermont DMV
http://dmv.vermont.gov/licenses
Virginia DMV
https://www.dmv.virginia.gov/drivers/
Washington DOL
http://www.dol.wa.gov/driverslicense/
Wisconsin DMV
http://wisconsindot.gov/Pages/dmv/license-drvs/how-to-apply/get-lic-or-id.aspx
Wyoming DOT
http://www.dot.state.wy.us/home/driver_license_records/new_licenses.default.html
States we offer SR22
The states we offer SR22 insurance are listed below, and we file FR44 insurance certificates for DUI offenses in Florida and Virginia. You will need to file an SR22 insurance certificate to reinstate your driver’s license. We’ll find you the cheapest SR22 or FR44 insurance rate for your needs. If you don’t own a vehicle, we write non owner SR22 and FR44 insurance policies in these states (non owner FR44 in Florida and Virginia only).
How to Apply
How to apply for SR22 / FR44 or SR50 insurance, motorcycle insurance, commercial auto insurance or general liability insurance is easy! Just click on the START YOUR QUOTE button above, complete a small amount of information and select the insurance you need.
