If you are a good driver or have been told you need to file an SR22, you maybe wondering, what is an SR-22?
An SR-22 is a form to be filed by the insurance company with the state department of motor vehicles to provide proof of current car insurance for divers who have a suspended license or about to be suspended, based on their driving record. A few examples of drivers, who are required to file an SR-22, are drivers who get no insurance tickets, DUI, DWI, at fault accidents with no car insurance or multiple driving violations.
What is an SR-26?
If there is an SR-22 filed on a car insurance policy and the policy cancels, the insurance company sends the DMV a form called an SR-26, letting the state DMV know that the policy has canceled.
An SR-22 filing is inexpensive. Usually, the insurance company charges a fee between $25 to $50 to file an SR-22. The reason for the SR-22 filing can and usually causes an increase in car insurance.
Drivers who are required to file an SR-22 on their insurance policy are usually required to keep an SR-22 filed on their policy for 1 to 3 years, depending on the reason for the SR-22.
Drivers who are required to file an SR22 to keep or reinstate their driving privilege who do not own a vehicle are required to obtain a non-owners car insurance policy.
Drivers, who are notified of a suspended license or notified they are now required to file an SR-22 to avoid a driver license suspension, should contact their current car insurance company to see if they can file an SR-22. Then shop your SR22 insurance rate. Some companies do not offer SR-22 filings and if your current car insurance provider cannot or if you are currently uninsured, start by getting SR22 insurance quotes form three or four different companies.
Information on driver license suspension, reinstatement, revocations, SR-22 filings and driver license reinstatement varies from state to state. If you are in need of an SR-22 filing and need detailed information, refer to your state DMV or your insurance company.