What are reasons for SR22 insurance?

The reasons for SR22 insurance are relatively consistent in each state. Most of the time, people need SR22 insurance to reinstate their license after a suspension for a motor vehicle violation. Another reason is to comply with a court order involving a civil case or child support matter. In all cases, SR22 insurance guarantees an individual’s future financial responsibility.

One of the most common reasons for SR22 insurance is to reinstate driving privileges after a license suspension or revocation. SR22 insurance goes beyond a state’s mandatory auto insurance laws. It guarantees that you’ll keep minimum liability coverage for a specific time in the future.

Common reasons for SR22 insurance:

DUI / DWI convictions
Accumulating too many points on your DMV driving record.
Being involved in an uninsured accident.
Having multiple at-fault accidents over time makes insurance companies classify you as a high-risk driver.
Driving without insurance (not providing proof of insurance if an officer pulls you over).
Applying for a hardship license.
Being involved in child support or neglect cases.
Court ordered legal judgments.

How much does high-risk insurance cost?

SR22 requirements and costs can vary between states and between individuals. So it’s helpful to have a basic understanding of how SR22 insurance costs are determined.

When the state requires you to carry SR22 insurance, it will notify you in writing. This notification will outline your specific reasons for SR22 insurance and other requirements. Then you’ll find an insurance provider to attach an SR22 certificate to your auto or non-owner insurance policy and file it with your state DMV.

The starting date for filing an SR22 certificate varies between states. It may begin with the date of the offense, the date of conviction, the date of license suspension, or the date of reinstatement. Generally, you’ll have to carry SR22 insurance without lapse for 3-5 years, depending on the specific reasons for SR22 in your situation.

UltraCar Insurance for Owner and Non-Owner SR22

Whatever your reasons for SR22 insurance, UltraCar Insurance can help. We work with top-rated insurance companies and provide cheap affordable SR22 insurance rates. Each of our agents holds a license in the 34 states we sell high-risk insurance, can answer any question you have, and will quickly file your SR22 certificate.

Start an online quote or call us today. We look forward to working with you!

This article was last updated on August 24th, 2023 by UltraCar Insurance

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