If you’re caught displaying reckless driving behaviors, you may slapped with an SR-22 requirement. This is a certificate that’s attached to your auto insurance to serve as proof of insurance. Basically, it allows the DMV and police to ensure that you remain covered while driving, both for your protection and the protection of other drivers.
When the court rules that you need SR-22 insurance, you’ll be told the length of time you need to maintain the coverage. This usually lasts from one to three years, depending on the severity of your infraction(s). But how do you file for SR-22 coverage?
Your local independent insurance agent should be able to help you find the right coverage. Discuss your requirements and your options with your agent. You may be able to keep your current auto insurance policy, or you may need your agent to find you a new policy from an insurer that covers risky drivers.
The SR-22 certificate is filed with your insurer (for a one-time fee), which they then file with the state DMV. If your car insurance expires or lapses for any reason, your insurer is required to inform the DMV. This may lead to a fine or even license suspension until coverage is reinstated.
While the SR-22 certificate itself is inexpensive, you can expect your auto insurance rates to increase due to the nature of being considered a risky driver. The size of the rate increase will depend on your insurer and several other factors. However, you may be eligible to return to normal rates once you’ve fulfilled your SR-22 requirement.
Still have questions or need to find the right coverage for your needs? Our agents are happy to pair you with the right policy so you can get back on the road sooner.
Get personalized assistance today. Call Auto Insurance Discounters at (816) 252-2255 for more information on Kansas City SR-22 auto insurance.