No one wants to deal with getting SR-22 coverage. If your state requires you to do so, that means that authorities have judged you to be a significant risk when you are on the road.
SR-22 coverage is not an auto insurance policy. Your insurance company issues SR-22 insurance certificates. They serve as verification that you have and maintain auto insurance coverage. Your insurance company will send the SR-22 certification to your state DMV.
If you lose your insurance coverage for any reason, states require that the insurance company notify them of a lapse in coverage. The state could then extend your SR-22 penalty time. That means that you will have to carry the SR-22 longer than your original requirement.
SR-22 coverage isn’t necessarily a lot of hassle after you get it. You simply have to commit to driving safely and not breaking the law. Unsafe driving can result in further penalties.
However, there are costs associated with getting an SR-22. Keep these costs in mind when you have to get an SR-22.
Most insurance providers will charge you a filing fee to process an SR-22 certificate. However, these costs are usually fairly minimal, around $25 to $50. However, these costs vary from state to state and insurer to insurer.
Fines and Fees
SR-22 requirements often come after the authorities order you to obtain one. The court has likely required this after charging you with a driving violation. These violations include DUI, driving while impaired, reckless driving and multiple speeding incidents or accidents.
You will likely have to meet all fines associated with these charges. Paying fines and completing sentences are usually considered part of getting your SR-22 certificate removed.
Insurance Rate Changes
An SR-22 requirement tells your insurance company that you are a very high risk to insure. Therefore, your company will likely raise your insurance rates. You will likely have to pay more for car insurance while you carry SR-22 coverage.
Additionally, certain car insurance providers do not issue SR-22 certificates. Your insurance may drop your coverage, and you may have to search for a new policy.
You should make sure that you have the finances to meet costs associated with SR-22 filings. Auto Insurance Discounters can help you find the coverage that you need with SR-22 coverage. Visit our website for more information. You can also call us at (816) 252-2255 with any questions.