Stop Paying Too Much for Insurance

lady with driving liscenceMany drivers have never heard of SR-22 insurance, and the ones who have heard of it have probably been the source of hazardous driving situations. However, if you’ve been notified that you must file an SR-22 and you’re not sure why, you probably have quite a few questions. This article addresses some of the most frequently asked questions about SR-22 insurance.

What is an SR-22?

An SR-22 is basically a document proving that you own auto insurance. Your insurance provider can use this certificate of financial responsibility to confirm your coverage to the Department of Motor Vehicles. In order to maintain SR-22 status, you must maintain your state’s minimum coverage requirements.

Why do I need an SR-22?

The need to file for SR-22 status means that you drove recklessly and/or broke driving regulations. Some common violations that may lead to an SR-22 include causing accidents, driving without a valid license, being convicted of a DUI/DWI, driving without insurance and more.

How long does is take to file an SR-22?

In many cases, your request can be processed and issued within one day. Ask your independent insurance agent for details.

How long does my SR-22 last?

While every state has different requirements, it’s not uncommon for your SR-22 status to last for about three years. However, your penalty is largely dependent on your transgression, meaning your SR-22 period could be longer or shorter.

How much does an SR-22 cost?

You will be charged a flat fee to file for SR-22 status (which varies by state), but you can expect your auto insurance rates to increase significantly as a result.

What if my SR-22 expires?

If you let your SR-22 or your auto insurance lapse, your insurance provider is required to inform the DMV. You will likely face consequences, sometimes as severe as license suspension.

Need more assistance on the subject? Call Auto Insurance Discounters at (816) 252-2255 for more information on Kansas City SR-22 insurance.
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