If you’re caught driving an uninsured vehicle or commit a major driving offense your license can be suspended or revoked. You’ll need to buy SR22 insurance Idaho as a condition for license reinstatement, and carry it for a specified time period.
There are a number of reasons for SR22 insurance, many of them a result of motor vehicle violations. SR22 is a certificate of financial responsibility. This means you’ll be responsible for personal injury or property damage if you cause an accident. The state of Idaho requires you to carry minimum liability insurance coverage on your vehicles. SR22 is a guarantee of future insurance coverage, in exchange for the state granting driving privileges during your suspension period.
How to get SR22 insurance Idaho
The state of Idaho requires high-risk drivers to carry the SR22 insurance coverage at all times. If you have auto insurance, your provider may not offer an SR22 attachment, so you may need to shop around. Once you choose a licensed SR22 insurance provider, they will attach the certificate to an auto insurance policy and file it with the Idaho DMV. This filing allows license reinstatement, assuming other fees and fines have been paid.
Your policy is monitored by your insurance provider to make sure it stays in effect while you’re required to carry it. In most cases, SR22 insurance Idaho is required for 3 to 5 years. If your policy lapses even one time, your insurance provider must file an SR26 form with the Idaho DMV. This notifies the state that you’re no longer in compliance, resulting in immediate license suspension.
Another SR22 insurance option for vehicle owners in Idaho is Broad Form SR22 insurance. It is a cheaper alternative, but very limited in its coverage. You should talk with your insurance provider and understand the limitations of this insurance before deciding to buy a broad form policy.
Non owner insurance
What if you have no car but need SR22 insurance? Vehicle owners and those who don’t own a vehicle can get an SR22 certificate. Non owner SR22 insurance Idaho is for drivers who don’t own a vehicle. It is liability-only coverage written to cover one individual when driving a non owned vehicle on occasion.
Get Idaho SR22 quote from UltraCar Insurance! We’ll find the lowest SR22 insurance Idaho rate to fit your needs, and quickly file your certificate. Click the quote button now or call to speak with one of our friendly agents today.
This article was last updated on January 8th, 2023 by UltraCar Insurance