UltraCar Insurance is an Idaho SR22 insurance provider that goes the extra mile for you. We understand that your time is valuable, so we quickly work to find the best rates with top-rated insurance companies. We can issue and file your Idaho SR22 insurance certificate within 20 minutes.
Idaho minimum liability coverage requirements:
- $25,000 bodily injury per accident
- $50,000 bodily injury liability for all injuries in an accident
- $15,000 in property damage, in one accident
What is Idaho SR22 Insurance?
Idaho SR22 insurance is high-risk insurance coverage that’s required to reinstate a driver’s license after certain motor vehicle violations. The state may require you to file an SR22 certificate in circumstances that include:
- DUI or DWI incidents
- Getting too many tickets
- Having multiple at-fault accidents
- Legal judgments involving child support/child neglect cases
Idaho SR22 insurance is not a stand-alone policy; it is an endorsement to an insurance policy. An SR22 is a certificate of financial responsibility filing the state requires that guarantees you carry the proper liability coverage for a specified time. When you purchase an SR22 certificate, your insurance provider will submit the filing to the Idaho DMV. When endorsed to an auto insurance policy, you can add comprehensive and collision coverage if desired.
High-risk drivers must typically carry Idaho SR22 insurance for three to five years. During that time, you need to keep the policy current without lapse. If there is any interruption of coverage, your insurance carrier submits an SR26 filing with the Department of Motor Vehicles. This filing informs the DMV that you’re no longer insured as required, resulting in suspension or revocation of your driver’s license. It’s best to avoid another license suspension, as the penalties and reinstatement fees are unnecessary costs.
Non-Owner SR22 Insurance
SR22 non-owner insurance is liability coverage for individuals who don’t own a vehicle. It’s less expensive than “owner/owner-operator” insurance since there is no vehicle to insure.
Another type of SR22 insurance sold in Idaho is broad form vehicle insurance, a liability-only policy covering only one person. This insurance is easier on the budget but excludes many types of coverage. It’s available to people who own one or more vehicles or who don’t own a car. Broad form insurance is also known as “named driver insurance.” You can add an SR22 insurance certificate to a broad form policy to fulfill one of the requirements for license reinstatement. For more detailed information concerning the limitations of broad form insurance, see our page titled What is Broad Form SR22 Insurance?
UltraCar Insurance in Idaho
UltraCar Insurance looks forward to helping you with a quote and quick filing of your Idaho SR22 insurance certificate. Start a quote using our secure online form, or give us a call today!
This article was last updated on December 3rd, 2021 by UltraCar Insurance